PROFITABILITY ANALYSIS OF PUBLIC AND PRIVATE …shodhganga.inflibnet.ac.in/bitstream/10603/13574/12/12... · · 2015-12-04affecting the profitability. Ratio analysis has been used

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CHAPTER-5

PROFITABILITY ANALYSIS OF PUBLIC AND

PRIVATE SECTOR BANKS

The banking industry, one of the most important instruments of the

national development, occupies a unique place in a nation’s economy. Profit

is the main reason for the continued existence of every commercial

organization, and profitability depicts the relationship of the absolute

amount of profit with various other factors. The main sources of operating

income of a commercial bank are — interest and discount earned,

commission, brokerage, income from non-banking assets and profit from

sale of or dealing with such asset and other receipts. The expenditure

broadly consists of – interest paid on deposits and borrowings and non-

interest cost or charges incurred on staff salary, stationery, rent, law

charges, postage, telegram, telephone, etc.

This chapter aims to study the profitability of public and private

sector banks in India. The data considered for the study pertains to the

period 1992 to 2010. The main sources of data include the Statistical Tables

relating to Banks in India published by Reserve Bank of India, Report on

Trends and Progress of banks in India published by Reserve Bank of India,

the website of the Reserve Bank of India. An attempt has been made to

estimate the impact of selected variables on bank profitability for the public

and private sector banks in India. The underlying objective is to empirically

test and identify those factors which have significantly contributed towards

bank profitability in either direction. For this purpose, correlation analysis

and regression analysis have been undertaken to determine the variables

affecting profitability of the bank under study.

5.1 PROFITABILITY ANALYSIS

Net Profit as a percentage of Total Assets has been taken as dependent

variable, i.e., (Y1) and 12 other variables have been taken as variables

affecting the profitability. Ratio analysis has been used to evaluate the

profitability performance of public sector banks. The data for the selected

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variables has been pooled together for each of the public and private sector

banks separately, for the entire study period of 19 years. Normally, data

pooling is considered helpful from a statistical point of view, as it leads to

larger samples, and hence, more reliable results.

The following 12 independent variables (X1 to X12) were selected for the

study:

1. Spread as Percentage of Total Assets (X1)

2. Burden as Percentage of Total Assets (X2)

3. Priority Sector Advances to Total Advances (X3)

4. Total Credit as Percentage of Total Deposits (X4)

5. Term Deposits as Percentage of Total Deposits (X5)

6. Saving Deposits as Percentage of Total Deposits (X6)

7. Demand Deposits as Percentage of Total Deposits (X7)

8. Establishment Expenses as Percentage of Total Assets (X8)

9. Total Credit as Percentage of Total Assets (X9)

10. Other Income as Percentage of Total Income (X10)

11. Capital as Percentage of Total Assets (X11)

12. Borrowings as Percentage of Total Liabilities (X12)

A brief explanation of these ratios has been given as follows:

5.1.1 NET PROFIT AS PERCENTAGE OF TOTAL ASSETS OF

PUBLIC SECTOR BANKS IN INDIA

Net profit implies the balance of Profit & Loss account, and the ratio of

net profit as percentage of total assets for public sector banks for the period

1992-2010 has been presented in Table 5.1. It serves as an index to the

degree of asset utilization by the banks. The table also reveals the standard

deviation (S.D.) and coefficient of variance (C.V.) for each public sector bank

over the study period and also for each year across 26 banks under study.

They measure the degree of variability of the ratio.

Canara Bank had the maximum ratio (0.95%) during the year 1992,

followed by State Bank of Patiala (0.79%) and Oriental Bank of Commerce

(0.67%), whereas during the year 2010 Indian Bank witnessed the highest

ratio (1.53%), followed by Punjab & Sind Bank (1.32%) and Andhra Bank

(1.16%).

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On the other hand, UCO Bank had shown the lowest ratio during the year

1992 (-0.18%), followed by Punjab National Bank (0.02%) and Syndicate

Bank (0.05%,) while during the year 2010 Union Bank of India registered

the minimum ratio (0.42%), followed by Indian Overseas Bank (0.54%) and

Central Bank of India (0.58%).

Bank-wise statistical analysis showed maximum average ratio for

Corporation Bank (1.13%), followed by Oriental Bank of Commerce (1.04%)

and State Bank of Patiala (0.90%). However, minimum average ratio had

been registered by Indian Bank (-0.57%), followed by United Bank of India (-

0.48%) and UCO Bank (-0.37%). Thus, Corporation Bank was more

profitable bank, while Indian Bank, the least profitable bank with respect to

this ratio over the period of study. Further, the ratio was more consistent in

terms of dispersion for State Bank of Hyderabad (33.55%), followed by

Corporation Bank (38.21%) and State Bank of India (38.24%). The ratio was

less consistent for Syndicate Bank (5290.30%), followed by Indian Overseas

Bank (2062.11%) and Bank of Maharashtra (-1941.03%) respectively.

5.1.2 NET PROFIT AS PERCENTAGE OF TOTAL ASSETS OF

PRIVATE SECTOR BANKS IN INDIA

The ratio of net profits as percentage of total assets for private sector

banks for the period 1992-2010 has been presented in Table 5. 2. The table

also reveals the standard deviation (S.D.) and coefficient of variance (C.V.)

for each private sector bank over the study period and also for each year

across 19 banks.

Karur Vysya Bank had the highest ratio (1.39%) during the year

1992, followed by Tamilnad Mercantile Bank (1.03%) and Bank of Rajasthan

(0.97%), while during the year 2010 Karur Vysya Bank witnessed the

highest ratio (1.53%), followed by Nainital Bank (1.51%) and Axis Bank

(1.39%). On the other hand, Jammu & Kashmir Bank had shown the lowest

ratio (0.17%) during the year 1992, followed by Dhanlaxmi Bank (0.18%)

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and Federal Bank (0.37%) whereas during the year 2010 Development

Credit Bank registered the lowest ratio (-1.28%), followed by Bank of

Rajasthan (-0.59%) and Catholic Syrian Bank (0.02%).


Karur Vysya Bank (1.60%), followed by Tamilnad Mercantile Bank (1.45%)

and HDFC Bank (1.41%). However, minimum average ratio had been

exhibited by Development Credit Bank (0.16%), followed by Bank of

Rajasthan (0.40%) and Catholic Syrian bank (0.44%). Thus, Karur Vysya

Bank was more profitable bank, while Catholic Syrian Bank, the least

profitable bank with respect to this ratio over the period of study. Further,

the ratio was more consistent in terms of dispersion for Axis Bank (20.53%),

followed by Tamilnad Mercantile Bank (20.55%) and Karur Vysya Bank

(23.47%). The ratio was less consistent for Development Credit Bank

(1032.69%), followed by SBI Commercial & International Bank (498.15%)

and Bank of Rajasthan (266.82%).

5.1.3 SPREAD AS PERCENTAGE OF TOTAL ASSETS OF

PUBLIC SECTOR BANKS

Spread is the difference between the interest earned by the banks and

interest expended by the banks. This ratio is calculated by taking spread as

percentage to total assets. The ratio of interest spread as percentage of total

assets is a measure of operating profitability of banks and serves as a

cushion for meeting various administrative related expenses. Table 5.3

depicts the ratio of spread as percentage to total assets for the public sector

banks in India during 1992–2010. In the year 1992, this ratio was highest in

the case of State Bank of Patiala (5.93%), followed by State Bank of Bikaner

and Jaipur (4.95%) and State Bank of Hyderabad (4.62%), whereas during

the year 2010, this ratio was highest in the case of Indian Bank (3.12%),

followed by Punjab & Sind Bank (2.86%) and State Bank of Mysore (2.72%).

On the other hand, in the year 1992, this ratio was lowest in the case of

Indian Overseas Bank (1.73%), followed by UCO Bank (1.93%) and Indian

Bank (1.99%) while in the year 2010, this ratio was lowest in the case of

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Central Bank of India (1.39%), followed by UCO Bank (1.69%) and

Corporation Bank (1.70%).

Bank-wise statistical analysis registered maximum average ratio for

State Bank of Patiala (3.30%), followed by State Bank of Mysore (3.24%) and

State Bank of Indore (3.20%). However, minimum average ratio had been

recorded in the case of UCO Bank (2.02%), followed by Indian Bank (2.05%)

and United Bank of India (2.10%). Maximum variation in the ratio was

witnessed by Indian Bank (45.41% C.V.), followed by United Bank of India

(38.40% C.V.) and Indian Overseas Bank (31.85% C.V.). Minimum variation

in the ratio was exhibited by Punjab & Sind Bank (9.36%), followed by Bank

of India (12.02%) and State Bank of Travancore (13.01%).

5.1.4 SPREAD AS PERCENTAGE TO TOTAL ASSETS OF

PRIVATE SECTOR BANKS

Table 5.4 depicts the ratio of spread as percentage to total assets for

the private sector banks in India during 1992 – 2010. Higher the ratio,

better it would be. In the year 1992, this ratio was highest in Jammu &

Kashmir Bank (5.66%), followed by Tamilnad Mercantile Bank (5.16%) and

Nainital Bank (4.65%), whereas in the year 2010, this ratio was highest in

the case of HDFC Bank (3.77%), followed by Nainital Bank (3.25%) and

Federal Bank (3.23%). On the other hand, in the year 1992, the ratio was

lowest in the case of Federal Bank (3.22%), followed by South Indian Bank

(3.72%) and Karnataka Bank (3.74%), while in the year 2010, the ratio was

lowest in the case of Karnataka Bank (0.99%), followed by SBI Commercial

& International Bank (1.16%) and Catholic Syrian Bank (1.60%).


Nainital Bank (3.79%), followed by Tamilnad Mercantile Bank (3.67%) and

Jammu & Kashmir Bank (3.31%). However, minimum average ratio has

been registered by SBI Commercial & International Bank (1.74%), followed

by ICICI Bank (1.89%) and Axis Bank (1.96%). Maximum variation in the

ratio was witnessed by SBI Commercial & International Bank (40.99% C.V.),

followed by Development Credit Bank (38.48% C.V.) and ICICI Bank (35.91%

C.V.), while minimum variation in the ratio was recorded by Nainital Bank

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(10.24%), followed by Ratanakar Bank (14.85%) and South Indian Bank

(14.85%).

5.1.5 BURDEN AS PERCENTAGE TO TOTAL ASSETS OF

PUBLIC SECTOR BANKS IN INDIA

Burden refers to the difference between non-interest expenditure

(comprising establishment expenditure and other expenditure of current and

non-current nature) and non-interest income (consisting of commission,

brokerage and other miscellaneous receipts) of a bank. To the extent that

non-interest income of banks cannot be increased, any effort to income

bank’s profitability will involve the management of burden and more

specifically reducing non-interest expenses. This ratio was calculated by

taking the difference between two ratios namely non-interest expenditure as

percentage to total assets and non-interest income as percentage to total

assets. Lower the ratio, better it would be. Table 5.5 presents the ratio of

burden as percentage to total assets of the public sector banks during 1992-

2010.

During the year 1992, Bank of India had the lowest ratio (0.84%),

followed by State Bank of India (0.90%) and Bank of Baroda (0.99%),

whereas during the year 2010, this ratio was minimum for Corporation

Bank (-0.21%), followed by Allahabad Bank (0.08%) and State Bank of

Hyderabad (0.16%). On the other hand, the ratio was highest in the case of

Vijaya Bank (2.68%), followed by Syndicate Bank (2.53%) and Bank of

Maharashtra (2.48%) in the year 1992, while in the year 2010, the ratio was

maximum in the case of Indian Overseas Bank (1.01%), followed by State

Bank of India (0.72%) and Bank of Maharashtra (0.68%).

Bank-wise analysis registered the lowest average burden ratio for

Corporation Bank (0.44%), followed by State Bank of Hyderabad (0.70%) and

Canara Bank (0.80%). However, maximum average burden ratio had been

exhibited by Syndicate Bank (1.83%), followed by Bank of Maharashtra

(1.63%) and Central Bank of India (1.61%). Thus, Corporation Bank was at

a better position, while Syndicate Bank at a worst position with respect to

burden ratio for the period under study. Maximum variation (C.V.) and least

consistency in the ratio was found for Corporation Bank (102.72%), followed

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by State Bank of Indore (92.08%) and State Bank of Hyderabad (76.10%).

On the other hand, minimum variation and maximum consistency was

observed for Punjab National Bank (37.05%), followed by State Bank of India

(38.32%) and Central Bank of India (38.73%).

5.1.6 BURDEN AS PERCENTAGE TO TOTAL ASSETS

OF PRIVATE SECTOR BANKS IN INDIA

Table 5.6 presents the ratio of burden as percentage to total assets for

the private sector banks during 1992-2010. During the year 1992, Tamilnad

Mercantile Bank had the lowest ratio 1.29 per cent, followed by Federal

Bank (1.53%) and Jammu & Kashmir Bank (1.64%), while during the year

2010, this ratio was minimum for ICICI Bank (-0.45%), followed by Axis

Bank (-0.13%) and Karnataka Bank (0.03%). On the other hand, the ratio

was highest in the case of Dhanlaxmi Bank (3.50%), followed by Nainital

Bank (2.79%) and Catholic Syrian Bank (2.5%) in the year 1992, whereas in

the year 2010, the ratio was maximum in the case of Bank of Rajasthan

(2.10%), followed by Development Credit Bank (1.52%) and Catholic Syrian

Bank (1.50%).

Bank-wise analysis showed the lowest average burden ratio for SBI

Commercial & International Bank (-0.47%), followed by IndusInd Bank (-

0.29%) and Axis Bank (-0.09%). However, maximum average burden ratio

had been registered by Nainital Bank (2.10%), followed by Ratanakar Bank

(1.65%) and Catholic Syrian Bank (1.46%). Thus, SBI Commercial

International Bank was at a better position, while Nainital Bank at a worst

position with respect to burden ratio for the period under study. Maximum

variation (C.V.) and least consistency in the ratio was found for Karnatka

Bank (201.65%), followed by City Union Bank (165.50%) and Lakshami

Vilas Bank (100.67%) respectively. On the other hand, minimum variation

and maximum consistency was observed for Axis Bank (-610.81%), followed

by ICICI Bank (-572.73%) and IndusInd Bank (-246.25%).

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5.1.7 PRIORITY SECTOR ADVANCES TO TOTAL ADVANCES

OF PUBLIC SECTOR BANKS IN INDIA

To achieve the national objectives, higher growth rate and distributive

justice, RBI issued recent guidelines that every scheduled commercial bank

will have to provide at least 40 per cent of total credit to priority sector for

specific purpose and specific amount. Table 5.7 reveals that the extent of

financial assistant given by Private Sector Banks.

Dena Bank witnessed the highest ratio (44.45%), followed by Punjab

National Bank (43.90%) and Vijaya Bank (42.44%) during the year 1992,

whereas during the year 2010, highest ratio was witnessed by State Bank of

Indore (41.88%), followed by Bank of Maharashtra (39.44%) and State Bank

of Patiala (38.47%). On the other hand, the lowest ratio had been shown by

Bank of India (20.25%), followed by UCO Bank (20.80%) and State Bank of

India (24.01%) in the year 1992, while during the year 2010, the ratio was

lowest in the case of Bank of India (25.48%), followed by Bank of Baroda

(26.35%) and State Bank of India (26.99%).

Bank-wise statistical analysis showed maximum average ratio for State

Bank of Indore (40.22%), followed by State Bank of Bikaner and Jaipur

(39.40%) and Punjab National Bank (39.28%). However, minimum average

ratio had been registered by Bank of India (25.82%), followed by State Bank

of India (26.75%) and Bank of Baroda (27.31%). The ratio in terms of

dispersion was more consistent for Vijaya Bank (6.31%), followed by Bank of

Maharashtra (6.45%) and Bank of Baroda (6.94%), while this ratio was less

consistent in the case of Indian Bank (20.47%), followed by United Bank of

India (18.33%) and Indian Overseas Bank (15.63%).

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5.1.8 PRIORITY SECTOR ADVANCES TO TOTAL ADVANCES

OF PRIVATE SECTOR BANKS IN INDIA

Table 5.8 reveals that the extent of financial assistant given by Private

Sector Banks.

Nainital Bank witnessed the highest ratio (42.80%), followed by Tamilnad

Mercantile Bank (39.80%) and Ratnakar Bank (38.88%) during the year

1992, whereas in the year 2010, Nainital Bank witnessed highest ratio

(52.03%), followed by SBI Commercial & International Bank (50.19%) and

Tamilnad Mercantile Bank (43.48%). On the other hand, during the year

1992, the lowest ratio had been shown by Jammu & Kashmir Bank

(16.65%), followed by Dhanlaxmi Bank (16.72%) and Federal Bank (23.47%),

while during the year 2010, the ratio was minimum in the case of

Dhanlaxmi Bank (25.08%), followed by Ratnakar Bank (25.59%) and Axis

Bank (28.69%).


Nainital Bank (50.64%), followed by Tamilnad Mercantile Bank (42.48%) and

Development Credit Bank (40.20%). However, minimum average ratio had

been exhibited by SBI Commercial & International Bank (16.97%), followed

by Axis Bank (19.30%) and HDFC Bank (20.34%). The ratio in terms of

dispersion was more consistent for Tamilnad Mercantile Bank (7.12%),

followed by City Union Bank (7.36%) and Karnataka Bank (8.68%), while

this ratio was less consistent in the case of SBI Commercial & International

Bank (90.55%), followed by Axis Bank (57.08%) and HDFC Bank (49.32%).

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5.1.9 TOTAL CREDIT AS PERCENTAGE OF TOTAL DEPOSITS

FOR PUBLIC SECTOR BANKS IN INDIA

The ratio is worked out to establish the relationship between total

credit and total deposits and indicate the management aggressiveness to

improve the income. Higher the ratio, better it would be. Table 5.9 shows the

percentage of total credit to total deposits in Public sector Banks over the

period covered under study. Table also reveals the standard deviation (S.D.)

and coefficient of variance (C.V.) for each public sector bank over the study

period and also for each year over the study period and also for each year

across 26 banks. They measure the degree of variability of the ratio.

State Bank of India had the highest ratio (73.67%) during the year

1992, followed by Indian Bank (72.26%) and UCO Bank (67.37%), whereas

during the year 2010 State Bank of India (78.58%) witnessed the highest

ratio, followed by State Bank of Indore (77.31%) and Syndicate Bank

(77.25%). On the other hand, Corporation Bank had shown the lowest ratio

during the year 1992, (43.07%), followed by Union Bank of India (46.32%)

and Dena Bank 48.94 per cent, while during the year 2010 United Bank of

India registered the lowest ratio (62.09%), followed by Bank of Maharashtra

(63.68%) and Central Bank of India (65.01%).


Bank of India (62.87%), followed by State Bank of Indore (62.73%) and State

Bank of Travancore (62.02%). However, minimum average ratio had been

registered by United Bank of India (41.80%), followed by Central Bank of

India (48.89%) and Bank of Maharashtra (49.05%). Further, the ratio was

more consistent in terms of dispersion for State Bank of Patiala (13.05%),

followed by Bank of India (13.10%) and State Bank of Indore (13.60%). The

ratio was less consistent for United Bank of India (31.24%), followed by

Andhra Bank (23.24%) and Corporation Bank (22.97%).

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5.1.10 TOTAL CREDIT AS PERCENTAGE OF TOTAL

DEPOSITS OF PRIVATE SECTOR BANKS

Total credit of a bank shows that how much of total deposit is utilized for

advancing money to consumers. The table 5.10 presents the total credit to

total deposit ratio of all private sector banks from the period 1992 to 2010.

Jammu & Kashmir Bank witnessed the highest ratio (63.40%), followed

by Ratanakar Bank (58.42%) and City Union Bank 55.84 per cent during

the year 1992, whereas in the year 2010, highest ratio had been witnessed

by ICICI Bank (89.70%), followed by IndusInd Bank (76.94%) and HDFC

Bank (75.17%). On the other hand, during the year 1992,the lowest ratio

had been shown by Nainital Bank (42.55%), followed by Karur Vysya Bank

(43.85%) and Federal Bank (44.50%), while during the year 2010, the ratio

was minimum in the case of SBI Commercial & International Bank

(51.38%), followed by Nainital Bank (52.88%) and Bank of Rajasthan

(55.30%).

Bank-wise statistical analysis showed maximum average ratio for ICICI

Bank (77.40%), followed by IndusInd Bank (65.46%) and Development

Credit Bank (61.09%), while minimum average ratio had been registered for

Nainital Bank (35.88%), followed by Bank of Rajasthan (48.70%) and HDFC

Bank (52.43%). The ratio in terms of dispersion was more consistent for

Development Credit Bank (9.69%), followed by Dhanlaxmi Bank (10.72%)

and Karnataka Bank (11.74%). However, this ratio was less consistent in the

case of ICICI Bank (41.27%), followed by Nainital Bank (34.50%) and HDFC

Bank (30.37%).

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5.1.11 TERM DEPOSITS AS PERCENTAGE OF TOTAL

DEPOSITS OF PUBLIC SECTOR BANKS IN INDIA

Term deposits are the deposits for long period with higher rates of

interest as compared to saving deposits interest rates. These vary from bank

to bank and affect the profitability of the banks. This ratio is worked out to

find out the proportion of term deposits to total deposits. Lower the ratio,

better it would be. The ratio of term deposits as percentage of total deposits

for public sector banks for the period 1992-2010 has been presented in

Table 5.11. The table also reveals the standard deviation (S.D.) and

coefficient of variance (C.V.) for each public sector bank over the study



Indian Bank had the highest ratio (74.21%) during the year 1992,

followed by Indian Overseas Bank (69.08%) and UCO Bank (68.66%),

whereas during the year 2010 Vijaya Bank witnessed the highest ratio

(75.38%), followed by UCO Bank (75.35%) and Oriental Bank of Commerce

(75.03%). On the other hand, Allahabad Bank exhibited the lowest ratio (-

50.24%) during the year 1992, followed by State Bank of Patiala (51.12%)

and Bank of Maharashtra (51.56%), while in the year 2010 State Bank of

India registered the minimum ratio (52.74%), followed by Punjab & Sind

Bank (59.15%) and State Bank of Bikaner and Jaipur (60.94%).


Oriental Bank of Commerce (70.64%), followed by Indian Bank (70.01%) and

State Bank of Travancore (67.54%). However, minimum average ratio had

been administered by Punjab & Sind Bank (55.91%), followed by State Bank

of India (56.86%) and State Bank of Bikaner and Jaipur (57.97%). Further,

the ratio was more consistent in terms of dispersion for Bank of Baroda

(3.22%), followed by State Bank of India (3.52%) and Bank of India (3.52%).

The ratio was less consistent for State Bank of Patiala (13.51%), followed by

Punjab National Bank (10.74%) and State Bank of Indore (10.34%).

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5.1.12 TERM DEPOSITS AS PERCENTAGE OF TOTAL

DEPOSITS OF PRIVATE SECTOR BANKS IN INDIA

The ratio of term deposits as percentage of total deposits for private

sector banks for the period 1992-2010 has been presented in Table 5.12.

The table also reveals the standard deviation (S.D.) and coefficient of

variance (C.V.) for each private sector bank over the study period and also

for each year over the study period and also for each year across 19 banks.

Lower the ratio, better it would be.

Federal Bank had the highest ratio (66.18%) during the year 1992,

followed by Karur Vysya Bank (66.17%) and Karnataka Bank (64.73%),

while during the year 2010 SBI Commercial & International Bank witnessed

the highest ratio (84.58%), followed by Lakshami Vilas Bank (81.78%) and

Dhanlaxmi Bank (78.14%). On the other hand, Jammu & Kashmir Bank

exhibited the lowest ratio (44.31%) during the year 1992, followed by

Tamilnad Mercantile Bank (51.01%) and Nainital Bank (51.10%), whereas in

the year 2010 HDFC Bank registered the lowest ratio (47.97%), followed by

Axis Bank (53.27%) and Nainital Bank (57.60%).

Bank-wise statistical analysis showed maximum average ratio for SBI

Commercial & International Bank (90.69%), followed by IndusInd Bank

(87.02%) and Karur Vysya Bank (76.27%). However, minimum average ratio

had been registered by Nainital Bank (53.22%), followed by HDFC Bank

(55.43%) and Jammu & Kashmir Bank (59.78%). Further, the ratio was

more consistent in terms of dispersion for SBI Commercial & International

Bank (4.19%), followed by IndusInd Bank (4.76%) and Karur Vysya Bank

(5.03%). The ratio was less consistent in the case of HDFC Bank (23.42%),

followed by Axis Bank (18.95%) and Jammu & Kashmir Bank (13.93%).

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5.1.13 SAVING DEPOSITS AS PERCENTAGE OF TOTAL

DEPOSITS FOR PUBLIC SECTOR BANKS

Table 5.13 depicts the ratio of saving deposits as percentage to total

deposits for the public sector banks in India during 1992 – 2010. This ratio

has been calculated as proportion of saving deposits to total deposits.

Higher the ratio, better it would be.

In the year 1992 this ratio was highest in the case of Bank of

Maharashtra (36.52%), followed by Dena Bank (32.58%) and State Bank of

Patiala (31.84%), while in the year 2010 this ratio was highest in the case of

State Bank of India (32.02%), followed by State Bank of Bikaner and Jaipur

(31.39%) and Punjab & Sind Bank (31.34%). On the other hand, during the

year 1992 this ratio was lowest in the case of Indian Bank (14.97%),

followed by Bank of Baroda (16.73%) and Bank of India (16.95%), whereas

this ratio was lowest in the case of Corporation Bank (14.05%), followed by

Oriental Bank of Commerce (16.47%) and Vijaya Bank (17.31%) in the year

2010.


Punjab & Sind Bank (31.95%), followed by Allahabad Bank (30.02%) and

United Bank of India (29.96%). However, minimum average ratio had been

recorded for Corporation Bank (15.60%), followed by Oriental Bank of

Commerce (19.05%) and State Bank of Hyderabad (19.38%). Maximum

variation in the ratio was witnessed by Indian Bank (22.30% C.V.), followed

by Punjab National Bank (19.05% C.V.) and State Bank of India (16.77%

C.V.), while minimum variation was found in the case of State Bank of

Hyderabad (4.34%), followed by Canara Bank (5.31%) and Union Bank of

India (6.33%).

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5.1.14 SAVING DEPOSITS AS PERCENTAGE OF TOTAL


Table 5.14 depicts the ratio of spread as percentage to total assets for

the private sector banks in India during 1992 – 2010. This ratio has been

calculated as proportion of saving deposits to total deposits. Higher the

ratio, better it would be.

In the year 1992 this ratio was highest in the case of Nainital Bank

(39.40%), followed by Jammu & Kashmir Bank (29.21%) and Dhanlaxmi

Bank (26.76%), whereas in the year 2010 this ratio was highest in the case

of Nainital Bank (36.34%), followed by HDFC Bank (29.79%) and Jammu &

Kashmir Bank (27.56%). On the other hand, during the year 1992 this ratio

was lowest in the case of Karur Vysya Bank (12.42%), followed by Lakshami

Vilas Bank (16.28%) and Tamilnad Mercantile Bank (18.40%), while during

the year 2010 this ratio was lowest in the case of IndusInd Bank (7.12%),

followed by City Union Bank (11.19%) and Lakshami Vilas Bank (11.29%).


Nainital Bank (37.81%), followed by Jammu & Kashmir Bank (22.75%) and

Bank of Rajasthan (19.57%). However, minimum average ratio had been

registered for IndusInd Bank (3.18%), followed by SBI Commercial &

International Bank (4.86%) and ICICI Bank (9.87%). Maximum variation in

the ratio was witnessed by Axis Bank (79.80% C.V.), followed by ICICI Bank

(68.05% C.V.) and SBI Commercial & International Bank (66.70% C.V.).

Minimum variation in the ratio was recorded for Nainital Bank (6.78%),

followed by Bank of Rajasthan (12.20%) and Lakshami Vilas Bank (13.67%).

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5.1.15 DEMAND DEPOSITS AS PERCENTAGE OF TOTAL

DEPOSITS OF PUBLIC SECTOR BANKS

This ratio is worked out to find out the proportion of demand deposits

to total deposits. Higher the ratio, better it would be. Table 5.15 presents the

ratio of demand deposits as percentage to total deposits for the public sector

banks during 1992-2010. The table also reveals the standard deviation

(S.D.) and coefficient of variance (C.V.) for each public sector bank over the

study period and also for each year over the study period and also for each

year across 26 banks. They measure the degree of variability of the ratio.

The ratio was maximum in the case of State Bank of India (28.19%),

followed by Corporation Bank (25.36%) and Allahabad Bank (22.28%) in the

year 1992, whereas in the year 2010 the ratio was maximum in the case of

State Bank of India (15.24%), followed by Corporation Bank (14.51%) and

Bank of Maharashtra (9.79%). On the other hand, during the year 1992

State Bank of Tarvancore exhibited the lowest ratio (9.82%), followed by

Syndicate Bank (10.80%) and Indian Bank (10.81%), while during the year

2010 this ratio was minimum for State Bank of Travancore (4.71%), followed

by State Bank of Patiala (6.31%) and Punjab National Bank (6.42%).

Bank-wise analysis showed the lowest average ratio for State Bank of

Travancore (8.64%), followed by Indian Bank (8.90%) and Punjab National

Bank (9.13%). However, maximum average ratio for State Bank of India

(19.49%), followed by Corporation Bank (17.46%) and State Bank of

Hyderabad (17.43%). Maximum variation (C.V.) and least consistency in the

ratio was found for State Bank of Patiala (39.48%), followed by Allahabad

Bank (35.48%) and Canara Bank (33.05%). On the other hand, minimum

variation and maximum consistency was observed for United Bank of India

(15.05%), followed by Syndicate Bank (15.09%) and Bank of Maharashtra

(16.14%).

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5.1.16 DEMAND DEPOSITS AS PERCENTAGE OF TOTAL


Table 5.16 presents the ratio of demand deposits as percentage to

total deposits for the private sector banks during 1992-2010. The table also

reveals the standard deviation (S.D.) and coefficient of variance (C.V.) for

each private sector bank over the study period and also for each year over

the study period and also for each year across 19 banks. They measure the

degree of variability of the ratio.

The ratio was maximum in the case of Tamilnad Bank (30.59%),

followed by Lakshami Vilas Bank (29.73%) and Jammu & Kashmir Bank

26.48 per cent in the year 1992, whereas in the year 2010 the ratio was

maximum in the case of Axis Bank (22.77%), followed by HDFC Bank

(22.24%) and Ratnakar Bank (17.50%). On the other hand, during the year

1992 Dhanlaxmi Bank registered lowest ratio (9.47%), followed by Nainital

Bank (9.50%) and Karnataka Bank (10.73%), while during the year 2010

this ratio was minimum for SBI Commercial & International Bank (2.37%),

followed by Catholic Syrian Bank (4.19%) and South Indian Bank (4.57%).

Bank-wise analysis showed the lowest average ratio for SBI

Commercial & International Bank (4.44%), followed by South Indian Bank

(6.37%) and Federal Bank (7.52%), while maximum average ratio had been

registered for HDFC Bank (26.41%), followed by Tamilnad Mercantile Bank

(18.54%) and Jammu & Kashmir Bank (17.47%). Maximum variation (C.V.)

and least consistency in the ratio was found for ICICI Bank (63.15%),

followed by SBI Commercial & International Bank (50.93%) and Federal

Bank (44.48%) respectively. On the other hand, minimum variation and

maximum consistency was observed for Dhanlakhami Bank (17.40%),

followed by Nainital Bank (17.47%) and Karur Vysya Bank (22.79%).

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5.1.17 ESTABLISHMENT EXPENSES AS PERCENTAGE OF

TOTAL ASSETS OF PUBLIC SECTOR BANKS

Wage bills are also known as establishment expenses for banks and it

includes salary, pension, gratuity and other allowances or expenses

pertaining to staff. It is a function of two factors, number of employees and

scale of their emoluments. This ratio is worked out to establish the

relationship between establishment expenses as a percentage to total assets.

Lower the ratio, better it would be. The table 5.17 presents the ratio of

establishment expenses as percentage of total assets of public sector banks

during 1992-2010. The table also reveals the standard deviation (S.D.) and

coefficient of variance (C.V.) for each public sector bank over the study



During the year 1992, Bank of Baroda had the lowest ratio (1.44%),

followed by Indian Bank (1.47%) and Bank of India (1.48%), while during the

year 2010, this ratio was minimum for Corporation Bank (0.57%), followed

by State Bank of Patiala (0.66%) and State Bank of Hyderabad (0.68%). On

the other hand, the ratio was maximum in the case of Syndicate Bank

(2.80%), followed by State Bank of Bikaner and Jaipur (2.64%) and Vijaya

Bank (2.62%) in the year 1992, whereas in the year 2010 the ratio was

maximum in the case of Indian Overseas Bank (1.32%), followed by State

Bank of India (1.21%) and Indian Bank (1.20%).

Bank-wise analysis showed the lowest average ratio for Oriental Bank

of Commerce (1.05%), followed by Corporation Bank (1.08%) and State Bank

of Patiala (1.35%). However, maximum average ratio had been registered by

Syndicate Bank (2.15%), followed by State Bank of Mysore (2.11%) and

Punjab National Bank (2.03%). Maximum variation (C.V.) and least

consistency in the ratio was found in the case of State Bank of Indore

(38.96%), followed by Bank of Maharashtra (35.98%) and Vijaya Bank

(35.08%). On the other hand, minimum variation and maximum consistency

was observed for Bank of Baroda (16.97%), followed by Indian Bank

(20.76%) and State Bank of India (21.25%) respectively.

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5.1.18 ESTABLISHMENT EXPENSES AS PERCENTAGE OF

TOTAL ASSETS OF PRIVATE SECTOR BANKS

Table 5.18 presents the ratio of establishment expenses as percentage

of total assets of private sector banks during 1992-2010. The table also

reveals the standard deviation (S.D.) and coefficient of variance (C.V.) for

each private sector bank over the study period and also for each year over

the study period and also for each year across 19 banks. They measure the

degree of variability of the ratio.

During the year 1992, Dhanlaxmi Bank had the lowest ratio (9.47%),

followed by Nainital Bank (9.50%) and Karnataka Bank (10.73%), whereas

during the year 2010, this ratio was minimum for ICICI Bank (0.53%),

followed by City Union Bank (0.69%) and Axis Bank (0.70%). On the other

hand, the ratio was maximum in the case of Tamilnad Bank (30.59%),

followed by Lakshami Vilas Bank (29.73%) and Jammu & Kashmir Bank

(26.48%) in the year 1992, while in the year 2010 the ratio was maximum in

the case of Bank of Rajasthan (2.21%), followed by Catholic Syrian Bank

(1.52%) and Development Credit Bank (1.43%).

Bank-wise analysis showed the lowest average ratio for IndusInd Bank

(0.32%), followed by ICICI Bank (0.39%) and Axis Bank (0.41%). However,

maximum average ratio had been observed for Catholic Syrian Bank

(1.99%), followed by Nainital Bank (1.95%) and Ratnakar Bank (1.81%).

Maximum variation (C.V.) and least consistency in the ratio was found for

IndusInd Bank (67.59%), followed by HDFC Bank (46.96%) and Dhanlaxmi

Bank (39.84%) respectively. On the other hand, minimum variation and

maximum consistency was observed for Catholic Syrian Bank (12.78%),

followed by Tamilnad Mercantile Bank (14.91%) and Bank of Rajasthan

(20.76%).

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5.1.19 TOTAL CREDIT AS PERCENTAGE OF TOTAL ASSETS

OF PUBLIC SECTOR BANKS

Table 5.19 reveals that the total credit as percentage of total assets of

public sector banks.

Indian Bank witnessed the highest ratio (58.59%), followed by Indian

Overseas Bank (54.91%) and UCO Bank (54.57%) during the year 1992,

whereas during the year the year 2010, highest ratio had been witnessed by

State Bank of Indore (66.94%), followed by State Bank of Mysore (65.04%)

and Syndicate bank (65.02%). On the other hand, the lowest ratio had been

registered by Corporation Bank (37.89%), followed by Dena Bank (40.80%)

and Union Bank of India (41.81%) in the year 1992, while during the year

2010, the ratio was minimum in the case of United Bank of India (54.97%),

followed by Corporation Bank (56.60%) and Bank of Maharashtra (56.74%).

Bank-wise statistical analysis showed maximum average ratio for Bank of

India (52.78%), followed by State Bank of Indore (50.86%) and State Bank of

Travancore (50.82%). However, minimum average ratio had been registered

for United Bank of India (35.83%), followed by Bank of Maharashtra

(41.90%) and Central Bank of India (43.13%). The ratio in terms of

dispersion was more consistent for Bank of India (13.28%), followed by Bank

of Baroda (14.55%) and State Bank of Patiala (15.34%), the ratio was less

consistent in the case of United Bank of India (32.93%), followed by UCO

Bank (26.74%) and Bank of Maharashtra (23.90%).

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5.1.20 TOTAL CREDIT AS PERCENTAGE OF TOTAL ASSETS

FOR PRIVATE SECTOR BANKS

Table 5.20 shows the percentage of total credit as percentage of total

deposits in private sector Banks over the period covered under study. The

table also reveals the standard deviation (S.D.) and coefficient of variance

(C.V.) for each private sector bank over the study period and also for each

year over the study period and also for each year across 19 banks.

Jammu & Kashmir Bank had the highest ratio (51.81%) during the

year 1992, followed by City Union Bank (47.22%) and South Indian Bank

(47.16%), whereas during the year 2010 South Indian Bank (61.97%)

witnessed the highest ratio, followed by Dhanlaxmi Bank (61.91%) and

Federal Bank (61.71%). On the other hand, Karur Vysya Bank exhibited the

lowest ratio (37.94%) during the year 1992, followed by Lakshami Vilas

Bank (37.95%), and Nainital Bank (38.55%), while during the year 2010 SBI

Commercial & International Bank recorded lowest ratio (31.96%), followed

by Nainital Bank (44.78%) and Bank of Rajasthan (48.15%).


IndusInd Bank (52.97%), followed by Federal Bank (52.49%) and City Union

Bank (52.32%) respectively. However, minimum average ratio had been

registered by Nainital Bank (32.16%), followed by HDFC Bank (38.03%) and

State Bank of India (40.97%). Further, the ratio was more consistent in

terms of dispersion for IndusInd Bank (8.82%), followed by Development

Credit Bank (9.32%) and Ratnakar Bank (9.68%). The ratio was less

consistent for HDFC Bank (35.51%), followed by Nainital Bank (31.89%) and

ICICI Bank (24.11%) respectively.

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5.1.21 OTHER INCOME AS PERCENTAGE OF TOTAL INCOME

OF PUBLIC SECTOR BANKS

Non-interest income of banks represents income earned by way of

commission, brokerage, service charges and other miscellaneous receipts

and over the period of study nearly 10 to 17 per cent of the total earnings of

public sector banks. Thus bank’s non-interest income is very notional and

inadequate to meet non-interest expenses. Efforts should be made to closely

monitor the ratio non-interest income as percentage of total income, so that

the burden can be reduced and bank profitability can be increased. The

table 5.21 shows the ratio of non-interest income as percentage of total

income.

The ratio was highest for Corporation Bank (13.41%) in the year 1992,

followed by State Bank of India (12.77%) and Indian Overseas Bank

(12.76%), while during the year 2010, the ratio was maximum in the case of

Corporation Bank (17.61%), followed by State Bank of India (17.41%) and

Allahabad Bank (15.34%). On the other hand, during the year 1992, the

ratio was lowest in the case of Punjab & Sind Bank (4.67%), followed by

Oriental bank of Commerce (5.91%) and State Bank of Patiala (7.10%), while

during the year 2010, the ratio was minimum in the case of UCO Bank

(9.21%), followed by Punjab National Bank (9.48%) and United Bank of India

(9.62%).

Bank-wise statistical analysis revealed maximum average ratio for State

Bank of Mysore (16.05%), followed by State Bank of Bikaner and Jaipur

(15.63%) and State Bank of Indore (15.61%). However, minimum average

ratio had been recorded for Oriental Bank of Commerce (10.09%), followed

by Bank of Maharashtra (10.22%) and Union Bank of India (10.28%).

The ratio was more consistent and least variation was found in the case

of State Bank of India (14.12%), followed by Corporation Bank (16.87%) and

State Bank of Hyderabad (19.40%). The ratio was less consistent and more

variable for State Bank of Patiala (36.29%), followed by United Bank of India

(36.08%) and Dena Bank (35.11%).

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5.1.22 OTHER INCOME AS PERCENTAGE OF TOTAL INCOME

OF PRIVATE SECTOR BANKS

The ratio refers to how much other income or fee based income from

non fund based activities a bank can earn for each rupee spent on total

assets. The higher the ratio the better it is for the bank. This also denotes a

bank’s capabilities to work on low spread. Here non interest means

commission, exchange and brokerage. Efforts should be made to closely

monitor the ratio of non interest income as percentage of total assets, so

that the burden can be reduced and bank profitability can be increased.

Over the period of study nearly 8 to 22 per cent of the total earnings of

private sector banks is from other income i.e. commission, exchange and

brokerage. The table 5.22 shows the ratio of non-interest income as

percentage of total income.

The ratio was highest for Tamilnad Mercantile Bank (17.28%) in the year

1992, followed by Lakshami Vilas Bank (15.29%) and Karur Vysya Bank

(13.29%), while during the year 2010, the ratio was maximum in the case of

Axis Bank (25.32%), followed by ICICI Bank (22.53%) and HDFC Bank

(19.76%). On the other hand, the ratio was lowest in the case of Jammu &

Kashmir Bank (2.94%), followed by Ratnakar Bank (3.72%) and Nainital

Bank (5.46%) in the year 1992, while during the year 2010, the ratio was

minimum in the case of Nainital Bank (6.81%), followed by SBI Commercial

& International Bank (8.40%) and Bank of Rajasthan (8.73%).

Bank-wise statistical analysis revealed maximum average ratio for ICICI

Bank (21.58%), followed by SBI Commercial & International Bank (18.32%)

and Development Credit Bank (18.24%), while minimum average ratio had

been registered for Nainital Bank (6.45%), followed by Jammu & Kashmir

Bank (8.54%) and Ratnakar Bank (10.11%).


of HDFC Bank (17.75%), followed by City Union Bank (18.25%) and

Tamilnad Mercantile Bank (20.65%). The ratio was less consistent and more

variable for Ratnakar Bank (65.07%), followed by Nainital Bank (49.07%)

and Jammu & Kashmir Bank (40.78%).

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5.1.23 CAPITAL AS PERCENTAGE OF TOTAL ASSETS OF

PUBLIC SECTOR BANKS

This ratio is worked out to establish the relationship between capital

as a percentage to total assets. The table 5.23 presents the ratio of capital as

percentage of total assets of public sector banks during 1992-2010. The

table also reveals the standard deviation (S.D.) and coefficient of variance

(C.V.) for each public sector bank over the study period and also for each

year over the study period and also for each year across 26 banks.

During the year 1992, United Bank of India witnessed the highest

ratio (5.62%), followed by UCO Bank (4.22%) and Indian Overseas Bank

(3.94%), whereas during the year 2010, this ratio was maximum for Vijaya

Bank (1.33%), followed by UCO Bank (1.24%) and United Bank of India

(1.13%). On the other hand, the ratio was lowest in the case of State Bank of

India (0.21%), followed by State Bank of Hyderabad (0.43%) and State Bank

of Mysore (0.50%) in the year 1992, while in the year 2010 the ratio was

minimum in the case of State Bank of Hyderabad (0.02%), followed by State

Bank of Indore (0.05%) and State Bank of India (0.06%).

Bank-wise analysis showed the lowest average ratio for State Bank of

Hyderabad (0.14%), followed by State Bank of India (0.20%) and State Bank

of Indore (0.26%). However, maximum average ratio had been registered for

United Bank of India (7.31%), followed by Indian Bank (6.08%) and UCO

Bank (5.67%). Maximum variation (C.V.) and least consistency in the ratio

was found for Bank of India (110.69%), followed by Indian Overseas Bank

(107.82%) and Syndicate Bank (103.65%). On the other hand, minimum

variation and maximum consistency was observed for United Bank of India

(48.91%), followed by State Bank of Bikaner and Jaipur (50.87%) and State

Bank of Travancore (51.68%).

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5.1.24 CAPITAL AS PERCENTAGE OF TOTAL ASSETS OF

PRIVATE SECTOR BANKS IN INDIA

Table 5.24 presents the ratio of capital as percentage of total assets of

private sector banks during 1992-2010. Table also reveals the standard

deviation (S.D.) and coefficient of variance (C.V.) for each private sector bank

over the study period and also for each year over the study period and also

for each year across 19 banks. They measure the degree of variability of the

ratio.

During the year 1992, Tamilnad Mercantile Bank witnessed the lowest

ratio (0.06%), followed by Bank of Rajasthan (0.20%) and Jammu & Kashmir

Bank (0.24%), whereas during the year 2010 this ratio was lowest in the

case of Tamilnad Mercantile Bank (0.01%), followed by Jammu & Kashmir

Bank (0.11%) and HDFC Bank (0.21%). On the other hand, the ratio was

maximum in the case of Nainital Bank (0.76%), followed by City Union Bank

(0.66%) and Dhanlaxmi Bank (0.62%) in the year 1992, while in the year

2010 the ratio was maximum in the case of SBI Commercial & International

Bank (15.58%), followed by Ratnakar Bank (5.02%) and Development Credit

Bank (3.26%).

Bank-wise analysis showed the lowest average ratio for Tamilnad

Mercantile Bank (0.01%), followed by Karur Vysya Bank (0.26%) and

Jammu & Kashmir Bank (0.28%). However, maximum average ratio had

been registered for SBI Commercial & International Bank (16.84%), followed

by HDFC Bank (3.79%) and ICICI Bank (3.72%). Maximum variation (C.V.)

and least consistency in the ratio was found for ICICI Bank (167.56%),

followed by Axis Bank (158.39%) and HDFC Bank (147.30%). On the other

hand, minimum variation and maximum consistency was observed for SBI

Commercial & International Bank (17.17%), followed by South Indian Bank

(27.09%) and Federal Bank (30.20%).

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5.1.25 BORROWINGS AS PERCENTAGE OF TOTAL

LIABILITIES OF PUBLIC SECTOR BANKS

Table 5.25 shows the ratio of borrowings as percentage of total liabilities

of public sector banks in India.

The ratio was highest for Indian Bank (9.70%) in 1992, followed by State

Bank of India (9.21%) and State Bank of Indore (6.75%), whereas during the

year 2010 the ratio was maximum in the case of State Bank of India

(9.78%), followed by Syndicate Bank (8.75%) and Bank of India (8.15%). On

the other hand, the ratio was lowest in the case of Dena Bank (1.71%),

followed by Central bank of India (1.83%) and Union Bank of India (1.93%)

in the year 1992, while during the year 2010 the ratio was minimum in the

case of Indian Bank (0.94%), followed by United Bank of India (1.19%) and

Dena Bank (2.71%). Bank-wise statistical analysis revealed maximum

average ratio for State Bank of India (5.87%), followed by Bank of India

(4.67%) and State Bank of Mysore (4.10%). However, minimum average ratio

had been registered for Central Bank of India (0.99%), followed by Allahabad

Bank (1.30%) and United Bank of India (1.44%).


of Bank of India (30.72%), followed by State Bank of India (45.89%) and

State Bank of Mysore (47.67%). The ratio was less consistent and more

variable for Syndicate Bank (125.94%), followed by Indian Bank (108.98%)

and Punjab National Bank (108.48%).

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5.1.26 BORROWINGS AS PERCENTAGE OF TOTAL

LIABILITIES OF PRIVATE SECTOR BANKS

Table 5.26 shows the ratio of borrowings as percentage of total liabilities

of private sector banks in India.

The ratio was highest for Ratnakar Bank (8.91%) in the year 1992,

followed by Karnataka Bank (8.19%) and Lakshami Vilas Bank (7.25%),

whereas during the year 2010 the ratio was maximum in the case of ICICI

Bank (24.94%), followed by IndusInd Bank (13.95%) and Axis Bank (9.50%).

On the other hand, the ratio was lowest in the case of Jammu & Kashmir

Bank (0.82%), followed by Bank of Rajasthan (1.10%) and Nainital Bank

1.45 per cent in the year 1992, while during the year 2010 the ratio was

minimum in the case of SBI Commercial & International Bank (0.01%) and

Bank of Rajasthan (0.02%), Ratnakar Bank (0.18%) and Nainital Bank

(0.29%). Bank-wise statistical analysis revealed maximum average ratio had

been registered for ICICI Bank (16.51%), followed Axis Bank (7.26%) and

IndusInd Bank (6.34%). However, minimum average ratio had been

registered for Nainital Bank (0.39%), followed by Bank of Rajasthan (1.22%)

and Jammu & Kashmir Bank (1.41%).


of Federal Bank (49.60%), followed by HDFC Bank (52.68%) and Axis Bank

(54.90%), while the ratio was less consistent and more variable for Ratnakar

Bank (119.66%), followed by City Union Bank (118.85%) and Nainital Bank

(116.65%).

5.2 CORRELATION STUDY

Correlation analysis involves measuring the magnitude and direction of

the relationship between two or more variables. Interdependence among

variables is a common characteristic of most multivariate techniques, and

correlation matrix is a table used to display correlation coefficients between

these variables. The study aimed at identifying the most important variables

or variables (independent) which have higher significant association (partial

correlation) with the dependent variable. The secondary objective is to spot

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the presence of multicollinearity (if any) between the independent variables

(X1 to X12).

The degree of association, i.e., strength and direction of partial

correlation coefficients, between the selected variables (X1 to X12), and bank

profitability (Y1) is studied for public and private sector banks over the

period 1992-2010. The correlation matrices are given in tables:

5.2.1 CORRELATION ANALYSIS FOR PUBLIC SECTOR BANKS

The correlation coefficient matrices for public sector banks of the selected

variables (X1 to X12) with the dependent variable, i.e., net profit as

percentage of total assets (Y1) for the period 1992-2010 have been given in

Table 5.27. It has been observed from the table that five variables, namely,

spread as percentage of total assets (X1), priority sector advances as

percentage of total advances (X3), total credit as percentage of total deposits

(X4), total credit as percentage of total assets (X9) and other income as

percentage of total income (X11) have significant positive correlation with

bank profitability and the coefficients are 0.532, 0.147, 0.301, 0.312 and

0.290 respectively. Other three variables, namely, burden as percentage of

total assets (X2), establishment expenditure as percentage of total assets

(X8) and capital as percentage of total assets (X11) have significant but

negative correlation with the profitability with coefficients of –0.490, -0.363

and -0.433 respectively. Few of the twelve independent variables are also

significantly correlated with each other. Spread as percentage of total assets

(X1) has positive significant correlation with 6 other variables namely, X3,

X6, X7, X8 and X10. Similarly, burden as percentage to total assets (X2) has

positively correlated with four variables, namely, X6, X7, X8 and X11

respectively. Thus, over the period of study, spread as percentage of total

assets continues to have significant and positive relationship with bank

profitability and burden as percentage of total assets (X2) continues to have

significant but negative association with bank profitability (Y1) for the

twenty six public sector banks under study. Moreover, it can be concluded

that although the variables are significantly associated with each other,

none of the coefficients is so high as to evidence the presence of multi

collinearity during 1992-2010.

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5.2.2 CORRELATION ANALYSIS FOR PRIVATE SECTOR

BANKS

The correlation coefficient matrices for private sector banks of the

selected variables (X1 to X12) with the dependent variable, i.e., net profit as

percentage of total assets (Y1) for the period 1992-2010 have been given in

Table 5.28. It has been observed from the table that Table 5.28 that three

variables, namely, spread as percentage of total assets (X1), demand

deposits as percentage of total deposits (X7), and other income as

percentage of total income (X10) have significant positive correlation with

bank profitability and the coefficients are 0.263, 0.160 and 0.182

respectively. Other three variables, namely, burden as percentage of total

assets (X2), Saving deposits as percentage of fixed deposits (X6), and

establishment expenditure as percentage of total assets (X8) have significant

but negative correlation with the profitability with coefficients of –0.356, -

0.116, and -0.235 respectively. Few independent variables are also

significantly correlated with each other during 1992-2010. Spread as

percentage of total assets (X1) has significant correlation with five other

variables namely X2, X3, X6, X7 and X8. Similarly Burden as percentage to

total assets (X2) has positively correlated with four variables namely X3, X6

and X8 respectively. Thus, over the period of study, spread as percentage of

total assets continues to have significant and positive relationship with bank

profitability and burden as percentage of total assets (X2) continues to have

significant but negative association with bank profitability (Y1) for the public

sector banks under study. Moreover, it can be concluded that although the

variables are significantly associated with each other, none of the

coefficients is so high as to evidence the presence of multi collinearity during

1992-2010.

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5.3 MULTIPLE REGRESSION STUDY

Multiple regression analysis is studied to look for different combinations

of variables that explain the variations in profitability for the public and

private sector banks in India. The analysis was performed with the help of

statistical software, SPSS version-17.0.

5.3.1 STEP WISE MULTIPLE REGRESSION ANALYSIS OF

PUBLIC SECTOR BANKS (1992-2010)

The results of step wise multiple regression analysis for the twenty six

public sector banks, for the period 1992-2010 has been given in Table 5.29.

The analysis revealed that spread as percentage of total assets (X1) entered

the regression model in first step, singularly explaining 28.2 per cent

variation in bank profitability with significant regression coefficient of 0.930.

In the second step, burden as percentage of total assets (X2) entered the

analysis and together with X1 explained 58.9 per cent variation in bank

profitability. In the third step, other income as percentage to total income

X10 was found to be significantly affecting profitability and the three

variables (X1, X2 and X10) collectively explained 62 per cent of variation in

bank profitability. Next, demand deposits as percentage of total deposits (X7)

and priority sector advances as percentage of total advances (X3) become

significant variable and entered the regression model in fourth and fifth step

with regression coefficients of -0.041 and -0.016 respectively. After the fifth

step, no other variable was found to significantly affect the profitability of

public sector banks.

The multivariate analysis of public sector banks for the study period

concludes:

Y1 = 0.283 + 1.249(X1) - 1.161(X2) - 0.068(X10) - 0.045(X7) - 0.016(X3) + .

This regression model explained 63.8 per cent variation in profitability of

public sector banks. Thus, while X1 has positive significant effect on banks’

profitability, X2, X10, X7 and X3 have significant negative relationship with

profitability. The regression coefficients (β) explained that one unit increase

in spread as percentage of total assets will increase the net profit as

percentage of total assets 1.249 units keeping other variables constant at

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5% level of significance. The regression coefficients (β) explained that one

unit decrease in burden as percentage of total assets will increase the net

profit as percentage of total assets 1.161 units keeping other variables

constant at 5% level of significance. The regression coefficients (β) explained

that one unit decrease in other income as percentage of total income will

increase the net profit as percentage of total assets 0.068 units keeping

other variables constant at 5% level of significance. The regression

coefficients (β) explained that one unit decrease in demand deposits as

percentage of total deposits will increase the net profit as percentage of total

assets 0.045 units keeping other variables constant at 5% level of

significance. The regression coefficients (β) explained that one unit decrease

in priority sector advances as percentage of total advances will increase the

net profit as percentage of total assets 0.016 units keeping other variables

constant at 5% level of significance.

5.3.2 STEP WISE MULTIPLE REGRESSION ANALYSIS OF

PRIVATE SECTOR BANKS (1992-2010)

The results of step wise multiple regression analysis for private sector

banks, for the period 1992-2010 has been presented in Table 5.30. The

analysis revealed that burden as percentage of total assets X2 (regression

coefficient -0.311) entered the regression model in first step, singularly

explaining 12 per cent variation in bank profitability. In the second step,

spread as percentage of total assets (X1) entered the regression model, with

this the value of adjusted R Square sharply increases to 39.7 per cent. In

the third step, priority sector advances as percentage to total advances (X3)

was found to be significantly affecting profitability and the three variables

(X2, X1 and X3) collectively explained 40.6 per cent of variation in bank

profitability. Next, other income as percentage of total income (X10) and

borrowings as percentage of total liabilities (X12) became significant variable

and entered the regression model in fourth and fifth step with regression

coefficients of -0.022 and 0.018 respectively. After the fifth step, no other

variable was found to significantly affect the profitability of private sector

banks.

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The multivariate analysis of private sector banks for the study period

concludes:

Y1 = - 0.214- 0.721(X2)+0.585(X1)+0.011(X3) - 0.027(X10) + 0.018(X12) + .

This regression model explained 42.2 per cent variation in profitability of

private sector banks. Thus, while X1, X12, X11 and X3 have positive

significant effect on banks’ profitability, X2 and X10 have significant

negative relationship with profitability. The regression coefficients (β)

explained that one unit decrease in burden as percentage of total assets will


other variables constant at 5% level of significance. The regression

coefficients (β) explained that one unit increase in spread as percentage of

total assets will increase the net profit as percentage of total assets 0.585

units keeping other variables constant at 5% level of significance. The

regression coefficients (β) explained that one unit increase in priority sector

advances as percentage of total advances will increase the net profit as

percentage of total assets 0.011 units keeping other variables constant at

5% level of significance. The regression coefficients (β) explained that one

unit decrease in other income as percentage of total income will increase the

net profit as percentage of total assets 0.027 units keeping other variables

constant at 5% level of significance. The regression coefficients (β) explained

that one unit increase in borrowings as percentage of total liabilities will


other variables constant at 5% level of significance.

CONCLUSION

From the above discussion it can be concluded that 63.8 percent variation

in profitability of Public Sector Banks has been defined by the 12 selected

variables while in the case of Private Sector banks 60.4 percent profitability

is affected by the same variables. In the case of public sector banks, Spread

as percentage to total assets (X1) has positive significant effect on banks’

profitability while Burden as Percentage of Total Assets (X2), Other Income

as Percentage of Total Income (X10), Demand Deposits as Percentage of

Total Deposits (X7) and Priority Sector Advances to Total Advances (X3) have

197

significant negative relationship with profitability. While in the case of

private sector banks, Spread as percentage to total assets (X1), Borrowings

as Percentage of Total Liabilities (X12) and Priority Sector Advances to Total

Advances (X3) have positive significant effect on banks’ profitability, Burden

as Percentage of Total Assets (X2) and Other Income as Percentage of Total

Income (X10) have significant negative relationship with banks’ profitability.

198

REFERENCES

Chopra, K. (1987), “Managing Profits, Profitability and Productivity in

Public Sector” A Doctoral Thesis submitted to Punjabi University,

Patiala.

Debasish, S. S.; and Mishra, B. (2005 a), Indian Banking System

(Development Performance and Services), Mahamaya Publishing

House, New Delhi.

Kaushik, S. (1995), “Social Objectives and Profitability of Indian Banks”, A

Doctoral Thesis submitted to Panjab University, Chandigarh.

Kumar, S. (2004), “Impact of Liberlization on Productivity and Profitability

of Public Sector Banks in India”, A Doctoral Thesis submitted to Panjab

University, Chandigarh.

Nayan, K. (1985), Commercial Banks in India: Performance Evaluation,

Deep & Deep Publications Pvt. Ltd., New Delhi.

Nayar, N. (1992), “Profitability and Profit Planning in Commercial banks”, A

Doctoral Thesis submitted to Punjabi University, Patiala.

TABLE 5.1.1 NET PROFIT AS % TO TOTAL ASSETS OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 MEAN S.D.

SBI 0.18 0.21 0.25 0.59 0.58 0.86 1.04 0.46 0.78 0.51 0.70 0.83 0.90 0.94 0.89 0.80 0.93 0.95 0.87 0.70 0.27SBBJ 0.30 0.29 0.15 0.16 0.39 0.50 1.06 0.90 0.97 0.76 1.06 1.13 1.49 0.88 0.53 0.89 0.77 0.87 0.84 0.73 0.36SBH 0.32 0.35 0.38 0.62 0.61 0.56 0.91 0.85 0.82 0.82 1.02 1.15 1.24 0.72 1.05 1.03 0.90 0.80 0.93 0.79 0.27SBID 0.19 0.17 0.17 0.34 0.39 0.49 0.68 0.63 0.72 0.78 1.24 1.76 1.73 0.79 0.67 0.77 0.80 0.84 0.87 0.74 0.45SBM 0.16 0.15 0.07 0.07 0.54 0.74 0.86 0.49 0.58 0.27 0.64 1.02 1.28 1.25 1.12 0.93 0.96 0.83 0.98 0.68 0.40SBP 0.79 0.41 0.52 0.50 0.63 0.68 1.48 0.93 1.06 1.12 1.34 1.51 1.60 0.91 0.74 0.77 0.70 0.76 0.72 0.90 0.36SBT 0.15 0.21 0.19 0.35 0.39 0.52 0.69 0.40 0.53 0.67 0.73 0.90 1.02 0.86 0.81 0.86 0.88 1.23 1.15 0.66 0.32ALLH 0.36 -1.19 -3.80 -0.71 0.05 0.49 0.85 0.77 0.35 0.18 0.32 0.59 1.34 1.20 1.28 1.11 1.18 0.79 0.99 0.32 1.20ANDH 0.19 -2.98 -2.86 -0.69 0.16 0.43 0.82 0.78 0.76 0.59 0.97 1.63 1.72 1.59 1.19 1.13 1.02 0.95 1.16 0.45 1.32BOB 0.45 0.03 0.25 0.56 0.59 0.73 1.00 0.81 0.86 0.43 0.77 1.01 1.14 0.70 0.73 0.72 0.80 0.98 1.10 0.72 0.29BOI 0.24 -1.43 -4.27 0.17 0.83 0.95 0.79 0.37 0.31 0.42 0.73 1.11 1.19 0.36 0.62 0.79 1.12 1.33 0.63 0.33 1.26

BOMH 0.10 -4.19 -5.30 -0.59 0.16 0.54 0.53 0.43 0.59 0.24 0.68 0.89 0.95 0.54 0.16 0.70 0.68 0.64 0.62 -0.09 1.69CAN 0.95 0.13 0.52 0.77 0.81 0.41 0.47 0.47 0.43 0.43 1.03 1.24 1.34 1.01 1.01 0.86 0.87 0.94 1.14 0.78 0.33CBOI 0.21 -2.48 -3.92 -0.41 -0.32 0.57 0.57 0.41 0.36 0.10 0.31 0.54 0.98 0.52 0.34 0.54 0.44 0.39 0.58 -0.01 1.19

CORPT 0.19 0.13 0.58 1.02 1.52 1.53 1.49 1.28 1.39 1.33 1.31 1.58 1.73 1.19 1.10 1.02 1.10 1.03 1.05 1.13 0.43DENA 0.22 -1.82 -1.14 0.41 0.63 0.75 0.86 0.74 0.37 -1.49 0.06 0.57 1.04 0.25 0.27 0.64 0.93 0.87 0.89 0.27 0.83IND 0.33 0.04 -2.86 0.09 -7.51 -2.28 -1.55 -3.63 -1.81 -1.03 0.11 0.53 1.04 0.93 1.06 1.35 1.43 1.48 1.53 -0.57 2.30IOB 0.10 -6.98 -2.67 0.06 0.02 0.58 0.53 0.23 0.15 0.38 0.65 1.01 1.08 1.28 1.32 1.23 1.18 1.10 0.54 0.09 1.93OBC 0.67 0.43 0.54 1.38 1.64 1.56 1.42 1.23 1.14 0.75 0.99 1.34 1.67 1.34 0.95 0.79 0.39 0.80 0.83 1.04 0.41PNB 0.02 -5.05 -3.65 -0.12 -1.83 0.26 0.72 0.57 0.52 0.10 0.17 0.03 0.06 -0.45 0.57 0.99 1.24 1.06 0.90 -0.20 1.62PSB 0.58 0.18 0.30 0.30 -0.30 0.68 1.20 0.80 0.75 0.73 0.77 0.98 1.08 1.12 0.99 0.95 1.03 1.25 1.32 0.77 0.42

SYND 0.05 -6.73 -2.47 -0.64 0.13 0.38 0.42 0.65 0.79 0.83 0.79 1.00 0.92 0.77 0.88 0.80 0.79 0.70 0.58 0.03 1.82UCO -0.18 -3.56 -4.73 -0.63 -1.53 -1.08 -0.52 -0.33 0.16 0.12 0.52 0.59 0.99 0.63 0.32 0.42 0.46 0.50 0.74 -0.37 1.49UBI 0.34 0.11 0.39 0.62 0.39 0.96 0.97 0.51 0.29 0.40 0.71 1.08 1.22 0.99 0.76 0.82 1.12 1.07 1.06 0.73 0.34UNI 0.10 -3.75 -7.42 -2.03 -2.17 -0.89 0.07 0.09 0.16 0.09 0.52 1.26 1.22 1.03 0.62 0.63 0.59 0.30 0.42 -0.48 2.11VIJ 0.06 -2.60 0.09 0.47 -3.47 0.24 0.25 0.27 0.41 0.50 0.81 1.03 1.71 1.30 0.40 0.78 0.64 0.42 0.72 0.21 1.23

MEAN 0.27 -1.53 -1.57 0.10 -0.26 0.43 0.68 0.43 0.52 0.39 0.73 1.01 1.22 0.87 0.78 0.86 0.88 0.88 0.89 - -S.D. 0.25 2.30 2.33 0.70 1.86 0.78 0.63 0.89 0.57 0.58 0.35 0.39 0.37 0.42 0.32 0.21 0.26 0.29 0.26 - -C.V. 91.23 -150 -149 676.3 -724 181.6 92.88 209.4 110.6 150.3 47.42 38.65 30 47.73 41.01 24.23 29.39 32.56 29.09 - -

TABLE 5.1.1 NET PROFIT AS % TO TOTAL ASSETS OF PUBLIC SECTOR BANKSC.V.

38.2449.5633.5560.9157.9539.4648.88

369.12291.6739.82

382.34-1941.03

42.25-8622.94

38.21312.09-407.422062.11

38.84-794.0853.81

5290.30-399.9146.63

-436.92578.33

---

TABLE 5.1.2 NET PROFIT AS % TO TOTAL ASSETS OF PRIVATE SECTOR BANKS

YEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 MEAN S.D. C.V.

AXIS NE NE NE 1.06 0.92 0.92 0.56 0.79 0.76 0.80 0.93 0.98 1.15 0.89 0.98 0.90 0.98 1.23 1.39 0.95 0.20 20.53

BORL 0.97 0.41 0.84 2.04 1.50 0.23 -2.58 -1.84 0.29 0.74 0.84 1.12 0.82 0.38 0.15 0.91 0.73 0.68 -0.59 0.40 1.07 266.82

CSBL 0.51 0.27 0.60 0.35 0.02 0.24 0.35 0.02 0.25 0.38 1.07 1.17 1.31 0.24 0.13 0.36 0.61 0.53 0.02 0.44 0.38 84.88

CUBL 0.66 0.62 0.56 1.07 1.32 1.23 1.00 0.87 1.30 1.17 1.27 1.27 1.79 1.33 1.37 1.34 1.38 1.32 1.32 1.17 0.31 26.28

DEL NE NE NE NE 2.34 1.77 1.67 0.90 0.87 0.76 0.81 0.78 0.32 -3.50 -2.28 0.14 0.51 -1.48 -1.28 0.16 1.60 1032.69

DHAN 0.18 0.21 0.42 0.84 0.57 0.65 0.71 0.28 0.71 0.40 0.53 0.71 0.71 -0.82 0.33 0.47 0.71 1.02 0.29 0.47 0.39 82.10

FBL 0.37 0.42 0.66 1.30 1.04 0.85 0.69 0.03 0.61 0.69 0.81 0.86 0.90 0.54 1.09 1.17 1.13 1.29 1.06 0.82 0.34 41.10

HDFC NE NE NE 0.09 2.55 2.23 2.23 1.89 1.03 1.35 1.25 1.27 1.20 1.29 1.18 1.25 1.19 1.22 1.33 1.41 0.58 41.05

ICICI NE NE NE 0.43 1.43 2.25 1.53 0.91 0.87 0.82 0.25 1.13 1.31 1.20 1.01 0.90 1.04 0.99 1.11 1.07 0.45 42.11

IIBL NE NE NE 2.28 2.42 2.06 1.81 0.60 0.70 0.47 0.50 0.91 1.74 1.35 0.21 0.33 0.32 0.54 0.99 1.08 0.76 70.22

JKAL 0.17 0.20 0.53 0.58 0.53 0.59 0.90 1.14 1.14 1.32 1.77 2.01 1.92 0.47 0.67 0.96 1.10 1.09 1.20 0.96 0.53 55.57

KAL 0.76 0.67 0.65 0.80 1.11 1.41 1.51 0.87 1.01 0.68 1.17 1.19 1.26 1.17 1.18 1.09 1.25 1.17 0.62 1.03 0.27 26.16

KVBL 1.39 0.82 1.16 1.53 2.11 1.86 1.73 1.19 1.90 1.70 2.12 2.02 2.27 1.34 1.50 1.44 1.43 1.38 1.53 1.60 0.38 23.47

LVBL 0.84 0.67 0.65 1.56 0.90 1.39 1.31 0.76 1.14 1.02 1.06 1.07 1.07 0.08 0.46 0.30 0.39 0.61 0.29 0.82 0.41 49.42

NBL 0.60 0.50 0.16 0.25 0.28 0.25 0.45 0.75 0.86 0.87 0.87 0.99 1.43 1.08 0.92 1.04 1.32 1.48 1.51 0.82 0.43 52.50

RAT 0.53 0.05 0.59 0.56 0.58 0.73 0.91 0.78 0.70 0.67 1.00 1.30 1.04 -1.08 0.06 0.26 1.15 1.79 0.92 0.66 0.59 89.70

SBI COM NE NE NE NE NA 1.17 2.22 1.63 1.70 -6.50 0.46 -1.45 3.68 -2.10 1.09 1.13 1.93 1.52 0.49 0.50 2.48 498.15

SIBL 0.62 0.22 0.77 0.85 0.22 0.33 0.68 0.17 0.58 0.80 0.95 0.95 0.91 0.09 0.47 0.76 0.89 0.96 0.92 0.64 0.30 46.78

TMBL 1.03 0.99 1.12 1.35 1.68 2.23 1.98 1.43 1.32 1.37 1.29 1.35 1.59 1.47 1.66 1.49 1.43 1.34 1.36 1.45 0.30 20.55

MEAN 0.66 0.47 0.67 1.00 1.20 1.18 1.03 0.69 0.93 0.50 1.00 1.03 1.39 0.28 0.64 0.86 1.03 0.98 0.76 - - -

S.D. 0.34 0.28 0.27 0.62 0.78 0.72 1.06 0.79 0.42 1.73 0.44 0.69 0.72 1.33 0.86 0.43 0.41 0.69 0.75 - - -

C.V. 51.72 59.51 39.74 62.09 65.53 61.43 102.5 114 45.28 346.5 44.59 67.21 51.79 465.3 134.2 49.9 39.96 70.2 98.41 - - -

Note: NE- Not Existence NA- Not Available

TABLE 5.1.3 SPREAD AS % OF TOTAL ASSETS OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 MEAN S.D. C.V.

SBI 3.63 2.95 2.61 3.25 3.28 3.43 3.01 2.72 2.65 2.61 2.61 2.65 2.74 3.03 3.16 2.83 2.36 2.16 2.25 2.84 0.39 13.85

SBBJ 4.95 3.14 2.66 2.96 3.50 3.32 3.68 3.23 3.00 3.29 3.15 3.06 3.54 3.71 3.61 3.10 2.28 2.38 2.24 3.20 0.62 19.24

SBH 4.62 3.31 2.80 3.43 3.72 3.69 3.61 3.53 3.35 3.33 2.94 2.86 2.75 2.76 2.69 2.76 1.81 1.91 2.11 3.05 0.69 22.50

SBID 4.48 2.99 3.45 3.90 4.10 4.28 3.86 3.92 2.99 2.84 2.91 3.23 3.48 2.97 2.61 2.38 1.95 2.22 2.28 3.20 0.74 23.19

SBM 3.88 3.20 2.92 3.29 3.88 4.22 3.94 3.58 3.39 3.33 3.04 3.41 3.30 3.33 3.16 2.66 2.31 2.07 2.72 3.24 0.55 16.98

SBP 5.93 3.62 3.43 3.64 3.48 3.70 3.68 3.53 3.86 4.22 3.79 3.71 3.06 3.10 2.42 2.34 1.51 1.62 2.02 3.30 1.02 30.83

SBT 3.29 2.91 2.41 2.63 3.29 3.18 2.94 2.18 2.27 2.73 2.57 2.75 2.85 3.10 3.00 2.98 2.18 2.59 2.36 2.75 0.36 13.01

ALLH 2.09 1.24 1.95 2.06 2.67 3.05 2.82 2.82 2.86 3.09 2.95 3.24 3.13 3.02 2.85 2.59 2.02 2.21 2.18 2.57 0.53 20.80

ANDH 2.50 1.38 1.63 2.54 3.03 2.98 3.37 2.91 2.63 2.45 2.75 3.05 3.37 3.27 2.87 2.98 2.37 2.38 2.43 2.68 0.53 19.66

BOB 2.92 2.77 3.04 3.60 3.72 3.21 2.91 3.01 2.92 3.06 2.65 2.75 3.02 3.15 2.80 2.64 2.18 2.25 2.13 2.88 0.41 14.39

BOI 2.25 1.82 2.07 2.59 2.87 3.00 2.77 2.61 2.31 2.78 2.64 2.66 2.59 2.36 2.34 2.43 2.36 2.44 2.09 2.47 0.30 12.02

BOMH 3.04 1.37 1.77 2.65 3.59 3.67 3.50 3.29 3.07 2.93 2.73 2.71 2.40 2.68 3.11 2.80 2.34 2.13 1.82 2.72 0.63 23.21

CAN 4.42 3.45 2.57 3.60 3.44 3.19 2.49 3.24 2.64 2.83 2.52 2.72 2.69 2.86 2.70 2.43 1.96 2.15 2.15 2.84 0.60 20.93

CBOI 2.80 1.87 1.46 2.46 3.15 3.17 3.11 2.97 2.96 3.07 2.92 3.32 3.35 3.46 3.19 2.66 1.70 1.51 1.39 2.66 0.70 26.50

CORPT3.47 2.84 2.79 3.04 3.74 3.89 3.46 2.52 2.73 2.95 2.65 3.02 3.31 3.33 3.03 2.61 2.17 1.95 1.70 2.91 0.57 19.76

DENA 3.24 2.28 2.54 3.23 3.64 3.85 3.48 2.97 2.48 2.51 2.35 2.82 2.67 2.86 2.72 2.72 2.22 2.20 1.91 2.77 0.52 18.86

IND 1.99 1.77 1.79 1.73 0.52 0.71 0.57 0.92 1.61 1.84 1.75 2.32 2.85 2.97 3.17 3.33 2.91 3.10 3.12 2.05 0.93 45.41

IOB 1.73 0.62 1.05 1.79 2.12 2.38 2.31 2.31 2.46 2.91 2.74 2.97 3.38 3.65 3.48 3.11 2.41 2.37 2.42 2.43 0.77 31.85

OBC 4.29 2.83 3.29 3.81 3.80 3.89 3.38 3.10 2.90 2.92 3.01 3.54 3.55 2.82 2.72 2.29 1.84 1.77 2.12 3.05 0.70 23.02

PNB 2.68 0.64 1.78 2.26 2.15 2.60 2.63 2.38 2.35 2.51 2.30 2.67 3.29 3.64 3.31 3.49 2.54 2.45 2.09 2.51 0.67 26.61

PSB 3.42 2.86 2.70 2.83 3.43 3.47 3.25 3.57 2.99 3.21 3.15 3.62 3.54 3.17 3.21 3.40 2.78 2.85 2.86 3.17 0.30 9.36

SYND 3.02 1.60 2.42 2.74 3.20 3.17 2.85 2.94 3.04 3.87 3.49 3.51 3.03 3.25 3.08 2.41 1.93 2.00 1.97 2.82 0.61 21.66

UCO 1.93 0.51 0.97 2.19 2.17 1.93 1.94 2.15 2.35 2.42 2.33 2.53 2.73 2.58 2.53 2.26 1.66 1.47 1.69 2.02 0.57 28.02

UBI 3.81 2.54 2.92 3.32 3.40 3.41 3.17 2.66 2.74 3.13 3.01 2.93 2.98 2.85 2.66 2.72 2.30 2.37 2.15 2.90 0.42 14.48

UNI 2.30 0.55 0.55 1.02 1.62 1.62 2.77 2.00 2.10 2.39 2.64 2.97 3.02 3.15 3.07 2.78 1.67 1.87 1.81 2.10 0.81 38.40

VIJ 3.19 2.09 2.67 2.62 2.53 2.91 2.76 2.86 3.03 3.23 3.01 3.37 3.48 3.36 3.08 2.53 1.48 1.80 2.06 2.74 0.56 20.28

MEAN 3.30 2.20 2.32 2.81 3.08 3.15 3.01 2.84 2.76 2.94 2.79 3.01 3.08 3.09 2.95 2.74 2.12 2.16 2.16 - - -S.D. 1.04 0.97 0.76 0.71 0.82 0.80 0.70 0.63 0.46 0.48 0.40 0.37 0.34 0.33 0.32 0.34 0.36 0.38 0.36 - - -

C.V. 31.45 44.27 33 25.1 26.5 25.34 23.14 22.06 16.57 16.36 14.32 12.14 11 10.74 10.7 12.39 17.15 17.54 16.91 - - -

TABLE 5.1.4. SPREAD AS % TO TOTAL ASSETS OF PRIVATE SECTOR BANKSYEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 MEAN S.D. C.V.

AXIS NE NE NE 2.66 2.28 2.15 1.05 1.86 1.36 0.91 1.39 1.64 2.34 1.94 2.17 2.00 2.36 2.50 2.77 1.96 0.56 28.38

BORL 3.97 2.98 2.94 3.69 2.90 2.90 2.38 1.76 2.27 3.06 2.69 2.95 2.25 2.33 2.27 2.63 1.99 2.19 1.94 2.64 0.58 21.89

CSBL 3.87 2.75 3.14 2.94 3.04 3.03 2.43 1.97 2.34 2.72 2.32 2.32 2.84 3.30 3.08 2.97 2.75 2.35 1.60 2.72 0.52 18.95

CUBL 4.32 3.43 3.11 3.26 3.38 2.88 2.09 1.87 3.03 2.95 2.45 2.53 3.02 3.17 3.39 3.12 2.72 2.62 2.41 2.93 0.55 18.84

DEL NE NE NE NE 5.00 3.67 1.99 2.28 1.70 2.19 2.17 1.62 1.77 1.50 2.01 2.27 2.29 3.32 2.31 2.41 0.93 38.48

DHAN 3.95 3.42 3.33 3.32 3.09 2.33 2.72 2.16 2.49 2.34 2.25 2.53 2.84 2.76 2.91 2.86 2.45 2.16 1.74 2.72 0.54 19.77

FBL 3.22 2.21 2.71 3.36 2.44 2.11 1.89 1.09 2.37 2.69 2.72 2.78 2.79 2.99 2.91 2.86 2.67 3.39 3.23 2.65 0.56 21.03

HDFC NE NE NE 0.23 4.51 4.11 3.65 3.38 2.62 3.24 2.65 2.73 3.16 3.46 3.46 3.80 3.93 4.05 3.77 3.30 0.98 29.69

ICICI NE NE NE 1.44 2.70 3.68 2.23 1.70 1.54 2.05 0.57 1.33 1.50 1.69 1.87 1.64 1.83 2.21 2.23 1.89 0.68 35.91

IIBL NE NE NE 2.55 3.02 2.79 2.43 1.86 1.70 1.84 1.60 1.86 2.10 2.66 1.79 1.30 1.29 1.66 2.51 2.06 0.53 25.89

JKAL 5.66 4.14 4.10 4.43 4.05 3.48 3.60 3.49 2.71 2.81 2.98 3.13 2.92 2.44 2.51 2.68 2.47 2.61 2.63 3.31 0.85 25.83

KAL 3.74 3.50 2.90 3.64 3.41 4.11 3.58 2.38 1.99 2.28 1.81 1.67 2.02 2.53 2.45 2.59 2.37 2.21 0.99 2.64 0.83 31.35

KVBL 3.98 3.20 2.92 2.83 3.35 3.96 3.28 2.91 3.66 3.67 3.22 2.74 4.18 3.26 3.14 3.13 2.34 2.41 2.58 3.20 0.52 16.32

LVBL 4.13 3.00 3.26 2.95 3.34 3.09 2.53 2.31 2.59 2.55 2.17 2.13 2.18 2.63 2.14 2.04 1.90 1.85 2.38 2.59 0.58 22.56

NBL 4.65 3.57 2.86 3.36 4.19 4.21 3.90 4.11 3.85 3.80 3.87 3.70 3.87 3.53 3.92 3.96 3.68 3.80 3.25 3.79 0.39 10.24

RAT 4.21 2.65 4.18 3.43 3.55 3.67 3.21 3.12 2.81 3.07 2.89 2.69 2.73 3.08 3.07 2.95 3.72 3.72 2.82 3.24 0.48 14.85

SBI COM NE NE NE NE NA 1.29 1.21 1.37 1.98 1.19 0.78 2.15 2.76 1.95 3.25 1.68 1.17 2.46 1.16 1.74 0.71 40.99

SIBL 3.72 2.63 2.89 3.02 3.73 2.70 2.52 2.46 2.66 2.87 2.37 2.31 2.16 2.71 2.86 2.69 2.20 2.57 2.23 2.70 0.44 16.18

TMBL 5.16 3.48 3.51 3.71 4.33 4.65 3.68 2.96 2.88 3.29 3.35 3.58 4.24 4.11 4.03 4.17 2.96 2.97 2.76 3.67 0.66 17.91

MEAN 4.20 3.15 3.22 2.99 3.46 3.20 2.65 2.37 2.45 2.61 2.33 2.44 2.72 2.74 2.80 2.70 2.48 2.69 2.38 - - -S.D. 0.64 0.51 0.46 0.95 0.73 0.86 0.83 0.78 0.66 0.75 0.84 0.65 0.76 0.67 0.66 0.77 0.74 0.67 0.70 - - -C.V. 15.29 16.27 14.41 31.86 21.09 27.00 31.39 32.94 26.98 28.90 35.95 26.73 27.88 24.64 23.63 28.65 29.69 25.08 29.16 - - -Note: NE- Not Existence NA- Not Available

TABLE 5.1.5 BURDEN AS % OF TOTAL ASSETS OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004

SBI 0.90 1.11 1.24 1.65 1.18 1.25 1.06 1.17 1.04 1.36 0.87 0.59 0.40

SBBJ 1.94 1.83 1.55 1.52 1.81 1.40 1.38 1.64 1.09 1.35 0.64 0.61 0.17

SBH 1.27 1.14 0.94 0.98 1.26 1.26 0.92 1.46 0.70 0.89 0.22 -0.04 -0.56

SBID 2.00 1.92 1.68 1.75 2.09 2.05 1.64 1.61 0.93 0.74 -0.50 -0.47 -0.60

SBM 2.24 2.00 1.35 1.72 1.75 1.84 1.78 1.83 1.43 1.87 0.78 0.30 0.21

SBP 1.44 1.47 1.41 1.94 1.25 1.44 1.52 1.19 1.01 1.44 0.53 0.23 -0.67

SBT 1.71 1.38 0.70 0.91 1.22 1.24 0.75 0.80 0.80 1.14 0.63 0.36 -0.07

ALLH 1.16 1.23 1.71 1.78 1.84 1.65 1.32 1.48 1.41 1.88 1.30 1.40 0.60

ANDH 1.99 2.10 1.96 2.33 2.16 1.92 1.68 1.56 0.80 1.23 0.72 -0.01 -0.07

BOB 0.99 1.35 0.33 1.12 1.17 1.15 1.15 1.20 1.13 1.42 0.80 0.51 0.10

BOI 0.84 1.35 1.26 1.54 1.44 1.48 1.27 1.31 1.09 1.48 0.61 0.01 -0.05

BOMH 2.48 2.52 2.38 2.26 2.74 2.49 2.33 2.18 1.55 1.67 0.80 0.62 0.30

CAN 1.32 1.19 1.18 1.51 1.24 1.35 0.93 1.25 0.95 1.13 0.23 0.29 -0.18

CBOI 1.94 2.19 2.13 2.22 2.24 2.03 1.93 2.12 1.94 2.07 1.58 1.70 0.94

CORPT 1.36 1.33 0.46 0.59 0.61 0.87 0.76 0.48 0.20 0.25 0.01 -0.23 0.20

DENA 2.47 2.22 1.90 2.28 1.88 1.86 1.25 1.51 1.18 2.13 0.57 0.37 -0.53

IND 1.07 1.01 1.43 1.24 1.78 1.52 1.65 1.68 1.51 1.60 0.74 0.65 0.80

IOB 1.30 1.05 0.70 1.31 2.00 1.66 1.59 1.73 1.77 1.90 1.00 1.04 0.58

OBC 1.87 1.64 1.46 1.45 1.18 1.29 1.10 1.05 0.84 0.95 0.17 0.12 -0.19

PNB 2.37 2.47 1.90 1.62 2.04 1.86 1.52 1.52 1.52 1.74 1.11 0.73 2.29

PSB 1.99 1.64 1.56 2.09 2.21 1.70 1.24 1.79 1.47 1.72 1.13 0.94 0.49

SYND 2.53 2.64 2.39 2.64 2.56 2.61 2.16 2.17 2.01 2.82 2.37 1.72 0.79

UCO 1.64 1.42 2.37 1.91 2.33 2.38 1.86 1.97 1.59 1.64 0.81 0.74 0.56

UBI 2.06 1.86 1.66 1.65 1.88 1.88 1.81 1.67 1.62 1.82 1.05 0.38 0.43

UNI 2.02 2.18 1.98 1.87 2.09 2.05 1.63 1.73 1.67 1.75 1.60 0.67 0.65

VIJ 2.68 1.99 1.83 1.45 2.46 2.47 2.08 1.81 2.05 1.98 1.44 1.11 -0.12

MEAN 1.75 1.70 1.52 1.67 1.78 1.72 1.47 1.54 1.28 1.54 0.82 0.55 0.25

S.D. 0.54 0.49 0.57 0.48 0.52 0.45 0.43 0.40 0.45 0.51 0.58 0.54 0.62

C.V. 31.023 28.723 37.274 28.882 29.4 26.354 28.874 26.355 35.102 33.472 70.483 98.356 248.19

TABLE 5.1.5 BURDEN AS % OF TOTAL ASSETS OF PUBLIC SECTOR BANKS2005 2006 2007 2008 2009 2010 MEAN S.D. C.V.

0.64 0.87 1.07 0.54 0.31 0.51 0.93 0.36 38.32

0.59 1.86 1.13 0.68 0.45 0.57 1.17 0.56 47.61

0.71 0.88 0.72 0.20 0.21 0.16 0.70 0.53 76.10

0.89 0.74 0.79 0.41 0.33 0.38 0.97 0.89 92.08

0.60 0.90 0.90 0.59 0.46 0.66 1.22 0.65 53.48

0.39 0.64 0.68 0.19 0.23 0.30 0.88 0.66 75.57

0.33 0.88 1.11 0.57 0.46 0.72 0.82 0.42 51.00

0.95 1.00 0.96 0.23 0.26 0.08 1.17 0.55 46.81

0.23 1.15 1.02 0.50 0.49 0.43 1.17 0.78 67.20

0.72 1.11 0.96 0.55 0.36 0.36 0.87 0.39 45.26

0.82 0.83 0.74 0.30 0.02 0.38 0.88 0.54 61.49

1.02 1.94 1.23 0.95 0.78 0.68 1.63 0.80 48.97

0.51 0.78 0.67 0.32 0.34 0.23 0.80 0.49 61.07

1.12 1.59 1.30 0.68 0.54 0.27 1.61 0.62 38.73

0.30 0.67 0.45 0.29 -0.12 -0.21 0.44 0.45 102.72

1.27 0.46 0.70 0.45 0.70 0.45 1.22 0.83 68.36

0.79 1.29 0.91 0.56 0.45 0.41 1.11 0.45 40.34

0.71 1.21 1.22 0.44 0.29 1.01 1.18 0.50 42.35

0.54 0.70 0.53 0.50 0.28 0.35 0.83 0.57 68.06

2.00 1.91 1.34 0.79 0.69 0.54 1.58 0.58 37.05

1.27 1.20 1.41 0.77 0.52 0.39 1.34 0.54 40.20

1.29 1.43 0.86 0.56 0.66 0.62 1.83 0.81 43.98

1.04 1.30 1.00 0.59 0.40 0.45 1.37 0.67 48.83

0.68 1.02 0.77 0.22 0.45 0.27 1.22 0.66 53.94

0.78 1.13 1.08 0.81 0.78 0.67 1.43 0.57 39.60

0.64 1.08 0.89 0.30 0.36 0.56 1.42 0.82 57.71

0.80 1.10 0.94 0.50 0.41 0.43 - - -0.38 0.39 0.25 0.21 0.21 0.24 - - -

47.734 35.789 26.413 41.174 51.647 54.883 - - -

TABLE 5.1.6 BURDEN AS % TO TOTAL ASSETS OF PRIVATE SECTOR BANKSYEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003

AXIS NE NE NE 1.06 -0.06 0.14 -0.67 0.11 -0.39 -0.32 -1.46 -0.45

BORL 2.23 2.14 1.61 1.27 1.05 1.36 1.54 2.06 1.82 1.74 1.00 0.53

CSBL 2.65 2.45 1.73 2.21 1.76 2.21 1.47 1.75 1.39 1.09 -0.28 -0.58

CUBL 1.97 1.62 1.46 0.76 0.40 0.27 0.23 0.11 -0.15 0.23 -0.47 -0.53

DEL NE NE NE NE 1.91 1.19 -0.82 1.01 -0.20 0.58 -0.30 0.27

DHAN 3.50 2.64 1.87 1.04 1.63 0.98 1.12 1.20 0.60 1.34 -0.43 -0.49

FBL 1.53 1.16 1.13 1.02 0.48 0.76 0.62 0.48 0.59 0.57 -0.29 -0.10

HDFC NE NE NE 0.13 0.92 0.58 0.02 0.48 0.39 0.79 0.36 0.39

ICICI NE NE NE 0.74 0.67 -0.12 -0.84 -0.09 -0.34 0.58 0.05 -1.07

IIBL NE NE NE -0.49 -0.48 -0.72 -1.57 0.07 -0.68 -0.16 -0.88 -1.41

JKAL 1.64 1.52 1.57 1.94 1.24 1.13 0.72 1.21 0.51 0.66 -0.16 -0.16

KAL 1.88 1.79 1.47 1.70 1.04 1.21 0.94 0.90 0.58 0.24 -1.42 -1.06

KVBL 1.79 1.67 1.10 0.02 0.52 0.97 -0.01 0.93 0.75 1.06 0.06 -0.46

LVBL 1.97 1.66 1.05 -0.24 1.20 1.39 0.84 1.02 0.19 0.25 -0.55 -0.37

NBL 2.79 2.54 2.57 2.97 3.27 2.70 2.40 2.20 2.15 2.13 2.04 2.19

RAT 2.55 2.48 2.48 2.18 2.57 2.64 1.81 2.02 1.35 1.33 -0.80 -0.04

SBI COM NE NE NE NE NA 0.21 -1.06 -0.95 -1.20 -0.11 -1.08 -0.63

SIBL 2.43 1.91 0.44 1.46 1.90 1.78 1.54 1.48 0.85 0.81 -0.27 -0.53

TMBL 1.29 0.72 0.53 0.74 0.37 0.46 0.35 0.53 0.51 0.51 0.53 0.71

MEAN 2.17 1.87 1.46 1.09 1.13 1.01 0.45 0.87 0.46 0.70 -0.23 -0.20

S.D. 0.60 0.57 0.64 0.93 0.93 0.90 1.09 0.83 0.85 0.64 0.83 0.80

C.V. 27.83 30.57 43.55 85.75 82.26 89.54 239.76 95.28 184.30 91.40 -361.50 -397.66


TABLE 5.1.6 BURDEN AS % TO TOTAL ASSETS OF PRIVATE SECTOR BANKS2004 2005 2006 2007 2008 2009 2010 MEAN S.D. C.V.

-0.50 0.44 0.17 0.28 0.33 -0.03 -0.13 -0.09 0.56 -610.81

0.05 1.43 2.07 1.05 0.90 1.07 2.10 1.42 0.59 41.68

-0.02 1.52 2.30 1.79 1.52 1.23 1.50 1.46 0.89 60.85

-0.67 0.83 0.74 0.67 0.27 0.17 0.19 0.43 0.70 165.50

0.77 1.58 2.54 1.49 0.85 2.05 1.52 0.96 0.94 97.64

0.10 2.07 2.10 1.74 1.35 0.60 1.26 1.28 0.98 76.89

-0.10 0.61 0.72 0.41 0.23 0.14 0.33 0.54 0.46 85.70

0.78 0.84 0.77 0.99 1.10 1.22 0.88 0.67 0.34 51.69

-0.39 -0.07 0.33 -0.07 -0.16 -0.15 -0.45 -0.09 0.50 -572.73

-0.85 0.09 0.73 0.48 0.45 0.33 0.52 -0.29 0.71 -246.25

-0.04 0.93 0.89 0.74 0.48 0.56 0.38 0.83 0.61 72.92

-1.10 -0.19 0.25 0.39 0.35 0.11 0.03 0.48 0.97 201.65

1.16 0.73 0.60 0.66 0.23 -0.04 0.46 0.64 0.59 92.21

-0.20 1.28 1.33 0.78 0.52 0.54 0.79 0.71 0.71 100.67

1.46 1.52 1.81 1.72 1.20 1.17 0.99 2.10 0.64 30.54

1.03 1.98 1.74 2.40 1.43 1.03 1.22 1.65 0.92 55.61

-2.56 -0.34 -0.53 0.83 -0.69 0.89 0.64 -0.47 0.93 -198.35

-0.45 0.89 1.42 0.85 0.62 0.81 0.62 0.98 0.82 83.58

0.90 1.01 0.85 0.91 0.43 0.61 0.43 0.65 0.25 37.88

-0.03 0.90 1.10 0.95 0.60 0.65 0.70 - - -0.95 0.70 0.82 0.62 0.56 0.57 0.63 - - -

-2859.13 77.65 75.25 64.95 93.77 87.57 89.77 - - -

TABLE 5.1.7 PRIORITY SECTOR ADVANCE S AS % TO TOTAL ADVANCES OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005

SBI 24.01 23.15 26.68 24.77 24.98 27.23 26.30 28.04 26.38 26.55 26.15 25.49 27.04 28.59

SBBJ 38.48 34.06 35.93 34.02 35.97 34.60 39.28 42.40 41.50 39.60 40.59 43.16 43.86 45.16

SBH 39.04 34.46 34.00 35.73 31.65 34.10 34.43 35.29 35.63 34.74 34.41 32.54 39.51 39.69

SBID 36.40 36.79 35.83 39.60 39.59 39.64 41.98 43.39 40.47 40.42 41.27 43.94 46.32 43.68

SBM 38.41 36.56 39.74 33.31 38.13 35.45 35.97 37.50 39.09 36.39 35.40 36.46 36.52 40.45

SBP 37.39 34.35 39.49 35.85 35.48 37.00 37.24 38.59 36.92 37.03 36.45 40.98 39.39 44.04

SBT 36.99 28.47 33.86 33.17 33.70 33.05 32.55 33.13 33.23 31.50 30.40 33.60 37.22 38.36

ALLH 41.59 38.78 35.14 27.92 25.74 30.24 30.57 33.77 39.33 42.36 41.91 42.68 41.93 43.40

ANDH 36.75 40.90 33.53 29.66 35.15 39.09 40.06 38.91 38.32 35.73 34.06 39.90 37.19 39.44

BOB 26.08 26.49 25.98 27.71 30.36 29.77 28.98 28.72 27.02 24.29 22.80 25.96 27.88 28.26

BOI 20.25 21.04 24.14 24.43 24.28 25.88 26.16 25.78 26.13 23.88 23.97 26.16 28.26 28.59

BOMH 39.97 39.41 40.01 33.22 36.51 36.32 37.33 41.73 35.19 37.79 35.40 35.79 35.29 41.18

CAN 35.15 34.35 36.24 33.06 36.30 36.54 35.70 32.11 28.91 28.99 28.04 30.07 33.90 33.74

CBOI 36.63 37.04 43.84 30.58 31.24 34.98 34.23 32.44 36.79 38.07 38.54 41.76 43.52 44.78

CORPT 41.24 38.31 39.71 32.10 35.51 31.58 29.21 29.80 29.02 33.10 37.31 33.01 35.85 34.75

DENA 44.45 40.96 39.14 40.66 40.69 40.29 42.41 41.74 40.11 39.12 37.60 37.54 40.54 38.97

IND 33.31 28.07 30.73 30.29 29.92 32.86 26.08 23.76 24.86 23.85 29.75 33.00 38.20 42.93

IOB 24.89 25.94 25.32 24.58 26.97 31.03 29.49 29.17 29.63 30.95 32.16 33.52 39.13 39.16

OBC 40.05 40.79 40.75 37.21 37.41 40.07 39.16 39.71 39.70 38.76 38.53 38.45 38.05 37.42

PNB 43.90 37.47 40.21 37.86 38.57 39.07 37.99 35.15 40.30 40.68 40.87 44.77 47.18 46.56

PSB 39.37 35.28 39.10 33.84 32.27 31.14 32.88 34.62 36.87 38.73 39.11 39.86 43.91 46.79

SYND 32.12 26.12 28.77 28.23 24.96 25.84 25.87 30.18 25.66 29.05 27.55 30.92 32.57 36.27

UCO 20.80 21.42 24.73 25.21 26.70 32.51 33.35 29.24 28.74 27.25 31.05 30.42 31.75 36.21

UBI 37.11 35.96 36.08 35.98 32.91 35.14 37.80 37.60 32.74 32.39 32.95 37.40 39.37 42.50

UNI 36.65 34.67 37.55 38.04 38.00 37.81 35.83 33.34 23.48 20.22 19.44 27.13 33.91 33.97

VIJ 42.44 40.68 35.87 37.54 38.47 39.28 39.58 40.43 39.77 35.20 35.88 35.87 40.28 39.92

MEAN 35.52 33.52 34.71 32.48 33.13 34.25 34.25 34.48 33.68 33.33 33.52 35.40 37.64 39.03

S.D. 6.83 6.28 5.66 4.83 5.06 4.31 5.10 5.45 5.91 6.19 6.09 5.82 5.36 5.34

C.V. 19.23 18.74 16.3 14.87 15.26 12.57 14.9 15.79 17.53 18.56 18.15 16.43 14.25 13.68

TABLE 5.1.7 PRIORITY SECTOR ADVANCE S AS % TO TOTAL ADVANCES OF PUBLIC SECTOR BANKS2006 2007 2008 2009 2010 MEAN S.D. C.V.

30.56 30.24 28.61 26.48 26.99 26.75 1.91 7.14

41.30 41.03 40.99 38.80 37.85 39.40 3.32 8.44

41.68 38.99 32.78 31.97 33.93 35.50 2.89 8.15

42.85 37.46 37.93 34.69 41.88 40.22 3.14 7.80

42.45 36.31 31.85 33.22 30.55 36.51 2.95 8.07

37.87 34.58 31.60 32.11 38.47 37.10 2.91 7.85

41.10 39.92 41.73 39.79 36.64 35.18 3.75 10.65

41.91 39.39 36.94 34.75 33.91 36.96 5.45 14.75

37.26 37.49 36.98 36.23 35.52 36.96 2.70 7.31

29.36 28.76 27.62 26.57 26.35 27.31 1.90 6.94

31.50 29.87 28.41 26.27 25.48 25.82 2.77 10.72

41.65 39.23 37.80 36.73 39.44 37.89 2.44 6.45

37.68 37.24 39.15 33.27 33.48 33.89 3.15 9.30

43.48 39.12 32.88 31.39 32.14 37.02 4.72 12.76

33.27 35.92 35.31 31.74 31.57 34.12 3.45 10.11

41.01 39.54 34.36 33.98 32.92 39.26 2.93 7.46

46.36 45.10 37.64 35.48 34.84 33.00 6.76 20.47

39.47 38.22 33.61 32.44 34.48 31.59 4.94 15.63

35.12 33.08 32.13 31.01 33.65 37.42 3.00 8.01

41.20 40.27 32.30 29.23 32.76 39.28 4.68 11.92

45.68 37.81 38.67 31.81 35.70 37.55 4.49 11.96

36.99 32.81 32.13 32.37 34.38 30.15 3.67 12.17

34.99 34.63 33.03 31.29 29.53 29.62 4.38 14.77

38.10 39.87 38.06 33.13 35.04 36.32 2.76 7.59

38.53 37.38 32.44 31.10 31.68 32.69 5.99 18.33

40.85 39.51 35.70 35.02 34.71 38.26 2.42 6.31

38.93 37.07 34.64 32.73 33.61 - - -4.41 3.76 3.77 3.36 3.83 - - -

11.32 10.16 10.89 10.25 11.41 - - -

TOTAL 5.1.8 PRIORITY SECTOR ADVANCES AS % TO TOTAL ADVANCES OF PRIVATE SECTOR BANKSYEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005

AXIS NE NE NE 2.96 5.29 17.32 8.03 10.82 8.64 7.22 16.21 22.83 26.23 28.22

BORL 25.17 24.15 25.28 22.95 25.08 36.81 33.08 35.73 29.25 27.68 28.65 22.33 32.14 27.71

CSBL 32.45 36.87 35.40 38.46 31.17 29.33 30.72 31.63 28.89 25.46 25.50 20.81 26.89 31.44

CUBL 35.79 33.70 33.01 38.12 38.15 38.40 37.61 35.39 33.92 33.88 33.69 38.92 38.49 39.86

DEL NE NE NE NE 54.00 100.00 31.29 33.86 34.67 32.47 34.01 31.80 35.07 32.77

DHAN 16.72 17.03 18.06 19.12 18.84 33.21 34.14 28.78 30.87 29.49 28.91 25.05 27.19 29.93

FBL 23.47 22.96 24.97 26.41 24.29 23.23 24.06 29.04 35.43 32.24 31.92 31.40 31.32 32.15

HDFC NE NE NE 0.00 21.66 22.59 14.95 14.24 17.42 14.40 10.75 12.10 14.08 21.97

ICICI NE NE NE 12.54 11.73 27.47 29.14 22.64 13.60 16.85 4.22 16.77 23.40 21.98

IIBL NE NE NE 10.42 15.35 25.30 23.83 24.56 20.18 16.63 17.01 18.69 27.45 23.50

JKAL 16.65 15.70 11.69 14.31 18.00 19.96 16.51 20.67 23.09 24.76 20.50 18.80 21.17 21.79

KAL 32.68 29.31 30.38 32.37 32.80 35.22 38.17 38.18 37.37 33.71 34.96 38.49 40.92 33.31

KVBL 31.73 29.72 29.30 24.84 31.22 34.36 38.95 37.98 38.85 38.63 36.29 33.26 37.50 39.03

LVBL 32.70 29.05 25.11 31.82 33.84 34.24 32.05 36.33 42.55 40.14 38.12 34.64 37.55 41.01

NBL 42.80 41.77 50.72 47.46 40.67 42.99 53.21 50.45 52.63 55.43 52.65 56.69 56.49 55.79

RAT 38.88 41.59 40.52 42.24 40.26 35.37 31.65 31.62 30.20 28.15 26.61 23.92 22.42 31.25

SBI COM NE NE NE NE NA 5.53 9.23 12.64 11.80 11.28 4.29 9.40 12.04 3.93

SIBL 25.83 24.22 24.62 23.41 24.20 27.59 26.55 28.42 31.97 29.74 28.43 27.79 30.75 31.87

TMBL 39.80 35.44 39.29 38.80 41.96 42.87 42.86 44.27 44.00 42.12 39.68 40.81 45.14 47.38

MEAN 30.36 29.35 29.87 25.07 28.25 33.25 29.26 29.86 29.75 28.44 26.97 27.60 30.85 31.31

S.D. 8.33 8.41 10.18 13.88 12.28 18.63 11.41 10.45 11.62 11.75 12.42 11.41 10.67 11.03

C.V. 27.42 28.67 34.07 55.36 43.46 56.04 38.99 35.02 39.04 41.33 46.06 41.33 34.57 35.24


TOTAL 5.1.8 PRIORITY SECTOR ADVANCES AS % TO TOTAL ADVANCES OF PRIVATE SECTOR BANKS2006 2007 2008 2009 2010 MEAN S.D. C.V.

34.64 35.79 27.78 28.14 28.69 19.30 11.02 57.08

23.87 26.67 28.35 22.58 29.87 27.76 4.28 15.41

34.08 34.00 39.30 38.34 33.71 31.81 4.93 15.49

40.82 40.14 34.12 32.33 36.83 36.48 2.68 7.36

29.69 34.02 35.34 41.89 42.13 40.20 17.62 43.83

35.57 38.53 43.23 32.86 25.08 28.03 7.57 27.00

34.30 37.26 36.51 37.80 36.55 30.28 5.31 17.53

30.99 37.67 27.47 30.12 35.09 20.34 10.03 49.32

29.20 28.22 26.48 28.42 29.79 21.40 7.85 36.70

26.78 31.78 39.12 35.31 30.79 24.17 7.70 31.87

19.53 19.24 25.81 35.10 37.44 21.09 6.37 30.20

35.58 32.02 36.59 37.02 36.39 35.03 3.04 8.68

42.79 37.94 33.71 36.32 33.10 35.03 4.38 12.50

36.53 38.06 39.28 31.13 34.13 35.17 4.36 12.40

50.29 50.33 54.31 55.55 52.03 50.64 5.18 10.23

32.52 34.20 41.03 29.58 25.59 33.03 6.30 19.08

9.30 14.68 40.25 43.01 50.19 16.97 15.36 90.55

35.59 37.04 34.24 34.00 31.23 29.34 4.08 13.92

46.06 46.76 44.51 41.97 43.48 42.48 3.03 7.12

33.06 34.44 36.18 35.34 35.37 - - -9.31 8.30 7.23 7.19 7.35 - - -

28.16 24.10 19.98 20.35 20.79 - - -

TABLE 5.1.9 CREDIT AS % TO TOTAL DEPOSITS OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005

SBI 73.67 71.92 54.31 57.01 62.06 56.22 56.63 48.72 49.84 46.78 44.65 46.52 49.57 55.14

SBBJ 59.58 58.49 51.78 52.37 52.52 55.80 56.10 49.62 48.50 50.05 50.86 51.18 54.96 63.22

SBH 61.55 57.98 49.98 59.36 63.63 55.83 53.54 50.23 48.60 47.78 48.40 46.91 48.70 53.92

SBID 65.27 61.89 58.01 60.79 59.65 57.45 56.45 52.64 55.76 51.17 54.17 56.23 61.49 65.48

SBM 60.55 58.91 51.34 54.70 53.68 55.12 55.19 53.56 52.70 56.34 57.65 58.37 56.90 64.64

SBP 63.34 60.84 49.11 52.34 53.21 52.39 53.06 54.41 56.72 59.04 62.23 60.14 58.23 57.97

SBT 54.69 59.10 56.28 65.27 61.75 56.61 53.57 49.15 50.39 55.28 55.24 57.58 56.45 61.53

ALLH 51.66 51.43 44.01 45.41 47.45 42.79 42.27 45.03 46.71 47.66 48.50 49.26 48.74 51.89

ANDH 49.33 45.54 39.11 45.37 43.24 41.00 41.62 43.34 38.66 40.58 52.34 54.66 56.17 63.58

BOB 54.95 56.17 54.73 56.24 56.44 51.41 50.61 47.28 47.54 50.79 54.47 53.26 48.79 53.36

BOI 65.45 59.18 50.99 49.87 56.66 57.35 55.98 54.75 52.85 61.58 64.16 66.15 64.58 70.45

BOMH 53.88 47.87 40.31 43.88 45.09 42.24 39.33 37.17 39.18 39.19 43.15 42.88 44.36 45.28

CAN 56.19 48.84 41.76 48.40 49.90 45.84 44.22 46.55 49.05 47.12 51.74 56.14 55.17 62.42

CBOI 51.46 49.26 37.68 44.24 45.07 38.13 40.49 41.76 44.06 45.36 45.16 45.26 40.79 44.90

CORPT 43.07 43.24 34.56 33.66 42.59 45.18 46.01 49.88 54.47 52.33 58.06 55.37 59.89 68.10

DENA 48.94 47.97 43.83 49.68 52.52 51.44 50.89 54.22 53.57 48.05 48.99 51.15 51.29 54.12

IND 72.26 67.45 57.38 61.81 59.13 47.91 47.08 43.70 42.92 43.49 45.38 45.44 46.40 52.80

IOB 65.72 56.53 49.42 52.24 51.44 45.42 44.84 46.17 47.59 47.77 47.67 47.54 48.92 56.97

OBC 48.99 51.53 49.00 52.88 53.63 48.60 48.39 45.87 42.21 44.88 49.70 52.59 55.17 52.87

PNB 50.77 45.37 42.15 46.20 47.47 43.75 41.87 43.17 45.14 43.52 44.68 44.56 44.20 44.61

PSB 51.44 54.36 45.00 47.47 46.75 45.66 45.61 46.71 47.54 49.93 53.60 53.06 53.72 58.56

SYND 50.82 47.68 39.37 37.54 42.44 39.02 41.39 46.76 51.60 52.27 52.14 53.18 48.48 57.74

UCO 67.37 58.12 49.23 47.21 43.54 38.81 38.79 38.29 41.56 46.83 47.69 50.80 52.56 55.90

UBI 46.32 48.18 43.74 46.29 48.52 45.83 44.57 40.19 46.98 50.18 53.74 57.02 58.20 64.86

UNI 52.36 47.51 36.17 35.00 32.44 29.26 28.01 26.48 27.18 31.06 34.79 34.96 34.99 44.93

VIJ 56.30 48.53 42.51 40.14 40.81 36.26 39.25 38.88 40.44 45.28 42.21 46.37 52.56 55.96

MEAN 56.77 54.00 46.61 49.44 50.45 47.13 46.76 45.94 46.99 48.24 50.44 51.41 51.97 56.97

S.D. 8.04 7.20 6.75 8.01 7.60 7.54 7.16 6.40 6.44 6.27 6.42 6.47 6.65 7.24

C.V. 14.17 13.33 14.48 16.21 15.07 16.01 15.32 13.94 13.7 13 12.73 12.59 12.8 12.72

TABLE 5.1.9 CREDIT AS % TO TOTAL DEPOSITS OF PUBLIC SECTOR BANKS2006 2007 2008 2009 2010 MEAN S.D. C.V.

68.89 77.46 77.55 73.11 78.58 60.45 11.93 19.73

73.27 72.07 73.52 76.10 76.37 59.28 9.93 16.75

61.32 67.73 71.54 69.94 72.39 57.33 8.62 15.03

71.28 76.85 73.79 76.28 77.31 62.73 8.53 13.60

71.81 74.77 76.57 77.82 75.97 61.40 9.15 14.90

65.66 73.42 74.94 72.72 71.80 60.61 7.91 13.05

72.57 80.00 79.59 77.81 75.59 62.02 10.07 16.24

60.10 69.34 69.43 69.20 67.52 52.55 9.53 18.14

65.15 67.28 69.26 74.32 72.23 52.78 12.26 23.24

63.97 66.94 70.18 74.84 72.55 57.08 8.46 14.82

69.38 70.85 75.64 75.33 73.33 62.87 8.24 13.10

61.21 67.57 70.13 65.62 63.68 49.05 10.94 22.30

68.00 69.18 69.60 73.96 72.16 55.59 10.41 18.73

56.38 62.57 66.17 65.12 65.01 48.89 9.47 19.38

72.89 70.71 70.70 65.57 68.15 54.44 12.51 22.97

60.24 66.10 67.83 67.08 69.07 54.58 7.63 13.97

55.10 61.71 65.26 70.91 70.44 55.61 10.38 18.66

68.78 68.46 71.63 74.80 71.30 55.96 10.51 18.78

66.89 68.97 70.08 69.64 69.43 54.81 9.28 16.93

53.81 60.76 73.87 70.99 66.40 50.17 10.14 20.21

62.35 69.07 71.79 73.75 74.84 55.33 10.17 18.38

68.00 65.71 67.30 70.36 77.25 53.11 11.70 22.04

68.53 72.45 68.93 68.65 67.40 53.82 11.81 21.95

72.04 73.24 71.51 69.60 70.17 55.32 11.34 20.50

53.07 59.61 59.31 64.90 62.09 41.80 13.06 31.24

60.14 64.42 66.09 65.04 67.02 49.90 10.60 21.24

65.03 69.12 70.85 71.29 71.08 - - -6.17 5.12 4.30 4.11 4.41 - - -

9.492 7.4 6.074 5.767 6.199 - - -

TABLE 5.1.10 CREDIT AS % TO TOTAL DEPOSITS OF PRIVATE SECTOR BANKSYEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003

AXIS NE NE NE 105.89 60.16 45.39 59.60 71.36 61.30 53.02 43.56 42.32

BORL 50.77 47.40 44.93 50.06 54.29 50.98 52.37 49.83 53.31 52.84 49.39 41.92

CSBL 52.74 52.62 52.77 57.48 60.38 62.52 54.65 44.41 43.16 45.50 37.94 41.95

CUBL 55.84 53.72 54.95 59.50 67.35 60.47 56.32 54.32 57.40 54.38 51.23 52.41

DEL NE NE NE NE 60.99 59.83 53.11 54.23 59.21 60.22 61.20 68.04

DHAN 45.39 51.40 52.97 62.36 63.47 52.25 52.80 48.97 55.42 58.90 55.38 58.79

FBL 44.50 50.41 49.21 58.46 60.27 65.16 61.04 62.34 62.44 63.32 58.53 56.79

HDFC NE NE NE 15.27 53.76 44.97 38.42 48.04 39.90 39.77 38.60 52.53

ICICI NE NE NE 36.67 89.39 59.22 42.90 34.75 37.07 42.93 146.59 110.61

IIBL NE NE NE 77.46 79.39 62.32 57.35 53.05 56.17 58.95 66.36 62.20

JKAL 63.40 59.76 59.98 50.79 47.12 46.31 44.20 45.79 37.34 42.65 49.75 54.59

KAL 53.80 56.22 57.04 60.91 63.89 57.74 53.35 46.70 47.38 46.55 48.81 47.03

KVBL 43.85 42.55 35.46 48.38 71.13 60.70 54.01 57.05 58.48 62.35 58.85 65.30

LVBL 46.36 46.48 45.47 43.37 53.97 53.72 53.41 57.16 58.57 64.99 63.19 63.66

NBL 42.55 38.07 33.24 33.49 32.57 27.32 22.37 22.81 22.28 22.50 21.51 25.78

RAT 58.42 54.92 56.43 53.37 52.48 56.41 54.65 48.49 42.77 46.11 44.76 48.58

SBI COM NE NE NE NE NA 49.88 55.64 59.29 71.61 57.30 43.64 35.57

SIBL 51.33 49.31 48.22 49.01 59.66 55.06 53.44 53.31 52.02 52.87 54.58 52.66

TMBL 50.62 52.65 54.77 60.74 62.30 59.30 51.45 47.25 47.10 49.67 47.52 47.98

MEAN 50.74 50.42 49.65 54.31 60.70 54.19 51.11 50.48 50.68 51.31 54.81 54.14

S.D. 6.19 5.80 8.14 19.18 12.19 8.88 8.87 10.26 11.60 10.26 24.57 17.33

C.V. 12.21 11.50 16.40 35.31 20.08 16.38 17.36 20.32 22.88 20.01 44.82 32.00


TABLE 5.1.10 CREDIT AS % TO TOTAL DEPOSITS OF PRIVATE SECTOR BANKS2004 2005 2006 2007 2008 2009 2010 MEAN S.D. C.V.

44.68 49.20 55.63 62.73 68.09 69.48 73.84 60.39 15.92 26.37

32.83 35.67 45.72 52.74 53.68 51.23 55.30 48.70 6.15 12.62

48.92 56.93 62.83 63.44 62.31 58.17 64.01 53.83 8.18 15.19

54.34 65.03 72.48 70.84 70.62 68.79 66.44 60.34 7.13 11.82

54.52 55.36 59.77 60.21 66.98 70.46 72.27 61.09 5.92 9.69

52.82 60.29 62.95 59.49 58.25 64.32 70.53 57.20 6.13 10.72

57.14 58.07 65.64 69.03 72.95 69.54 74.74 61.03 7.80 12.78

58.35 70.33 62.84 68.74 62.94 69.24 75.17 52.43 15.92 30.37

91.17 91.57 88.54 84.97 92.30 99.98 89.70 77.40 31.94 41.27

65.19 68.63 62.04 62.82 67.21 71.33 76.94 65.46 7.77 11.87

49.75 53.21 61.67 67.79 66.04 63.42 61.92 53.97 8.90 16.49

49.62 58.02 58.83 68.05 63.72 58.08 60.83 55.61 6.53 11.74

68.06 69.24 73.32 75.38 75.07 68.93 69.78 60.94 11.69 19.18

61.86 66.30 68.09 71.97 68.68 71.14 69.17 59.35 9.31 15.70

31.04 38.92 53.64 53.70 55.58 52.94 51.38 35.88 12.38 34.50

48.38 54.07 56.15 60.53 53.20 61.29 73.84 53.94 7.05 13.07

32.29 69.61 67.10 67.36 68.67 52.88 41.73 55.18 13.09 23.72

50.69 63.18 66.50 64.70 68.97 65.49 68.76 56.83 7.14 12.56

48.00 54.41 60.09 67.22 69.51 68.70 71.20 56.34 8.33 14.79

52.61 59.90 63.36 65.88 66.57 66.07 67.77 - - -13.81 12.33 8.93 7.44 8.80 10.55 10.51 - - -26.26 20.58 14.09 11.29 13.21 15.97 15.51 - - -

TABLE 5.1.11 TERM DEPOSITS AS % TO TOTAL DEPOSITS OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003

SBI 51.80 54.94 55.52 53.84 54.57 55.13 56.50 61.54 60.53 63.67 63.52 62.67

SBBJ 54.80 59.23 58.64 54.99 56.05 57.90 56.87 56.31 58.35 56.52 56.57 53.07

SBH 56.37 56.47 59.34 53.61 59.08 60.15 60.70 60.16 62.11 63.23 65.38 66.42

SBID 53.04 55.50 57.56 55.49 56.20 53.75 55.76 56.27 59.10 65.09 66.85 67.37

SBM 59.30 64.34 62.72 62.18 62.69 61.42 62.13 63.22 64.57 65.32 64.82 63.55

SBP 51.12 55.51 52.71 57.01 59.69 58.36 56.00 53.96 54.15 56.61 58.26 61.91

SBT 62.09 65.97 65.10 64.36 67.59 68.37 65.84 66.18 66.86 66.29 68.04 68.74

ALLH 50.24 59.55 58.62 55.07 58.38 58.77 59.11 58.26 58.07 57.98 57.77 56.83

ANDH 66.47 70.03 68.05 63.42 65.44 64.61 64.93 69.57 69.93 75.23 71.69 69.47

BOB 66.17 69.13 67.33 66.24 66.98 67.00 68.07 67.84 68.10 67.01 67.03 66.27

BOI 64.42 67.95 66.77 63.00 64.64 63.91 68.48 67.38 66.47 66.99 66.37 67.93

BOMH 51.56 53.54 53.26 51.02 51.06 54.01 57.91 58.15 61.65 65.79 65.57 67.58

CAN 59.73 61.10 59.26 57.27 59.74 60.48 62.26 63.20 62.01 65.07 66.17 65.19

CBOI 53.51 56.77 54.45 55.19 56.82 56.82 58.99 58.39 58.45 60.33 60.57 59.14

CORPT 56.25 60.73 62.04 63.32 63.31 61.51 70.50 74.23 72.91 73.53 73.99 71.47

DENA 51.98 57.36 55.10 51.78 56.88 58.15 64.56 64.99 62.75 61.68 60.64 60.26

IND 74.21 81.82 74.96 73.04 71.82 71.42 69.18 68.02 70.24 71.76 70.65 67.78

IOB 69.68 72.05 68.43 65.44 67.05 65.23 63.30 67.32 67.84 68.44 70.02 67.85

OBC 62.81 66.95 65.98 65.19 69.28 68.65 70.92 73.12 74.92 74.40 74.88 71.46

PNB 57.41 64.20 64.05 65.75 67.69 66.20 68.48 69.55 68.79 69.01 67.05 63.66

PSB 55.60 57.78 56.95 54.50 58.01 58.76 56.40 54.57 55.12 55.74 55.68 53.13

SYND 64.98 66.57 65.88 61.27 62.57 62.47 64.34 64.99 65.54 62.84 62.09 60.60

UCO 68.66 68.34 61.65 60.04 59.70 60.50 60.25 60.55 59.92 60.99 63.20 64.98

UBI 56.52 59.98 60.90 60.77 63.56 61.81 62.16 65.26 60.59 58.47 58.90 63.78

UNI 56.04 61.54 59.32 56.69 59.10 62.35 62.19 63.16 63.55 63.17 59.89 57.28

VIJ 61.45 64.82 61.89 61.59 61.72 59.34 62.20 62.32 63.56 66.03 67.57 67.80

MEAN 59.09 62.78 61.40 59.69 61.52 61.43 62.62 63.40 63.70 64.66 64.74 64.08

S.D. 6.52 6.55 5.42 5.42 5.06 4.54 4.71 5.47 5.27 5.40 5.22 5.10

C.V. 11.041 10.432 8.8199 9.0746 8.2249 7.397 7.5148 8.6199 8.278 8.3557 8.0654 7.9574

TABLE 5.1.11 TERM DEPOSITS AS % TO TOTAL DEPOSITS OF PUBLIC SECTOR BANKS2004 2005 2006 2007 2008 2009 2010 MEAN S.D. C.V.

59.23 58.72 52.45 51.52 53.04 58.36 52.74 56.86 4.08 7.17

54.49 56.88 57.94 64.99 64.74 62.18 60.94 57.97 3.26 5.63

65.61 67.37 65.66 68.62 69.40 69.33 71.55 63.19 5.06 8.01

65.65 69.17 69.17 70.82 68.27 69.79 66.82 62.19 6.43 10.34

63.77 64.31 64.49 68.05 68.13 71.12 68.42 64.45 2.82 4.37

65.59 68.37 70.42 72.76 74.11 77.40 74.00 62.00 8.38 13.51

68.30 70.38 69.60 71.67 70.72 67.57 69.59 67.54 2.38 3.52

58.10 61.31 60.72 62.03 63.96 65.40 65.50 59.25 3.55 5.99

62.66 63.85 63.69 65.47 66.43 68.59 70.57 67.37 3.35 4.97

63.61 63.55 62.06 66.82 68.78 70.41 70.38 66.99 2.15 3.22

66.34 65.45 64.98 67.78 69.39 73.24 72.16 67.03 2.60 3.87

68.21 66.95 57.17 56.84 57.85 64.31 63.09 59.24 5.98 10.09

66.22 66.21 66.71 68.48 68.51 69.95 70.91 64.13 3.94 6.15

56.73 56.44 53.20 57.91 63.86 66.64 65.56 58.41 3.72 6.38

66.01 65.41 65.67 65.93 64.99 68.56 71.45 66.94 5.17 7.72

58.46 57.97 56.35 55.49 60.76 65.22 64.04 59.18 4.11 6.95

66.47 65.14 65.18 64.59 67.65 68.37 67.79 70.01 4.16 5.94

65.63 61.12 60.09 65.14 66.55 69.75 67.45 66.76 2.99 4.48

71.44 71.74 67.35 69.70 72.10 76.26 75.03 70.64 3.77 5.34

58.49 53.71 47.87 54.28 63.66 72.24 74.96 64.06 6.88 10.74

54.13 53.66 51.01 53.84 57.01 61.17 59.15 55.91 2.42 4.33

66.10 62.95 61.82 69.37 69.05 72.40 68.77 64.98 3.19 4.90

67.60 70.77 70.45 70.80 74.34 75.89 75.35 66.00 5.74 8.70

64.22 67.32 67.64 65.50 65.14 69.93 68.27 63.20 3.65 5.77

55.17 53.42 53.62 57.97 61.43 62.21 61.89 59.47 3.31 5.57

69.18 67.44 64.68 69.21 72.70 75.97 75.38 66.05 4.81 7.29

63.36 63.45 61.92 64.45 66.25 68.93 68.15 - - -4.88 5.48 6.43 6.19 5.21 4.87 5.51 - - -

7.7025 8.6408 10.378 9.5993 7.8631 7.0674 8.0909 - - -

TABLE 5.1.12 TERM DEPOSITS AS % TO TOTAL DEPOSITS OF PRIVATE SECTOR BANKSYEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005

AXIS NE NE NE 88.37 63.58 86.11 89.11 83.17 83.01 84.62 83.50 76.96 61.92 62.02

BORL 55.20 59.03 58.61 59.42 61.05 67.19 64.78 61.29 59.48 58.27 57.09 63.93 70.23 67.26

CSBL 63.76 67.49 69.20 69.13 73.62 75.90 78.80 76.69 74.77 76.23 78.20 77.59 73.68 72.38

CUBL 62.35 64.74 68.04 66.10 70.00 74.49 78.69 80.33 75.99 76.25 78.74 79.29 79.49 78.15

DEL NE NE NE NE 60.52 73.12 80.40 81.73 83.11 86.34 84.58 83.02 81.21 77.29

DHAN 63.77 69.16 72.76 74.66 80.46 84.82 84.18 82.66 79.21 79.37 79.40 75.60 75.13 73.13

FBL 66.18 71.21 67.47 68.93 78.21 81.55 84.58 81.15 77.76 76.52 77.27 78.85 76.91 75.48

HDFC NE NE NE 94.41 64.39 62.67 61.19 54.44 53.67 59.18 59.34 57.03 45.28 39.35

ICICI NE NE NE 52.58 71.81 72.84 82.24 86.77 78.50 72.51 83.69 84.47 77.05 75.73

IIBL NE NE NE 91.51 90.31 92.29 90.97 86.97 84.64 88.95 87.04 87.82 88.83 89.31

JKAL 44.31 42.55 46.79 50.98 54.03 57.50 62.24 63.39 63.73 69.21 65.95 66.61 69.74 68.00

KAL 64.73 67.34 67.18 65.34 70.22 73.91 79.36 80.48 78.82 80.41 81.31 81.48 79.72 78.40

KVBL 66.17 69.69 77.03 76.35 76.46 78.91 82.23 80.32 79.81 78.52 78.05 78.53 77.13 75.56

LVBL 53.99 62.72 67.10 70.55 72.22 75.57 75.59 72.57 72.34 75.56 74.91 73.79 74.28 74.38

NBL 51.10 57.34 56.17 51.18 55.03 55.79 52.37 50.04 54.82 55.29 53.53 53.27 48.84 50.65

RAT 64.13 69.09 67.89 70.83 68.92 71.97 75.02 76.55 74.21 76.70 76.59 77.69 73.80 71.53


SIBL 64.56 69.80 71.41 73.28 76.26 77.61 80.30 78.37 78.10 79.76 81.04 80.81 79.03 75.21

TMBL 51.01 53.96 58.69 60.01 61.41 65.02 70.61 69.46 71.90 73.14 74.83 75.73 74.76 73.62

MEAN 59.33 63.39 65.26 69.63 69.36 74.73 77.22 75.82 74.54 75.80 76.32 76.14 73.46 71.92

S.D. 7.24 8.27 8.09 13.08 9.33 10.28 10.84 11.44 10.16 9.98 10.54 9.98 11.15 11.59

C.V. 12.21 13.05 12.40 18.79 13.46 13.76 14.03 15.08 13.62 13.17 13.81 13.10 15.18 16.12


TABLE 5.1.12 TERM DEPOSITS AS % TO TOTAL DEPOSITS OF PRIVATE SECTOR BANKS2006 2007 2008 2009 2010 MEAN S.D. C.V.

60.02 60.14 54.32 56.85 53.27 71.69 13.59 18.95

63.33 68.16 70.41 72.59 67.21 63.40 5.09 8.02

71.12 71.17 72.17 73.97 74.88 73.20 3.91 5.34

77.05 75.69 79.08 81.10 78.14 74.93 5.74 7.66

67.94 71.65 75.73 68.99 64.64 76.02 7.89 10.38

71.08 71.63 70.77 75.70 78.14 75.88 5.45 7.19

74.98 74.77 74.91 75.50 73.81 75.58 4.70 6.22

44.55 42.32 45.51 55.63 47.97 55.43 12.98 23.42

77.28 78.22 73.91 71.30 58.31 74.82 8.96 11.98

87.13 85.08 84.30 80.76 76.33 87.02 4.14 4.76

65.83 62.98 60.84 61.89 59.31 59.78 8.33 13.93

79.12 76.63 77.86 80.05 76.74 75.74 5.76 7.60

73.09 72.29 74.41 78.11 76.47 76.27 3.84 5.03

76.92 77.96 78.33 83.22 81.78 73.36 6.60 9.00

45.97 50.88 54.66 56.73 57.60 53.22 3.16 5.93

61.70 62.16 61.66 66.53 63.88 70.04 5.50 7.85

85.18 85.33 87.66 92.66 84.59 90.69 3.80 4.19

73.59 76.06 75.92 76.20 76.87 76.01 4.14 5.44

71.58 72.09 75.09 77.99 75.03 68.73 7.96 11.59

69.87 70.27 70.92 72.93 69.74 - - -11.23 10.77 10.82 9.87 10.45 - - -16.07 15.32 15.25 13.53 14.98 - - -

TABLE 5.1.13 SAVING DEPOSITS AS % TOTAL DEPOSITS OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004

SBI 20.00 18.99 20.25 22.30 22.11 21.71 22.28 20.30 21.09 19.72 20.84 22.21 24.98

SBBJ 27.09 24.27 25.24 26.69 26.49 25.62 26.02 26.67 26.59 27.78 28.21 29.42 30.79

SBH 21.69 18.96 18.82 20.25 20.56 19.81 19.84 19.29 19.20 18.76 18.35 19.13 19.61

SBID 29.02 25.69 23.89 25.40 24.46 24.58 25.83 25.47 24.53 22.82 22.17 21.49 23.22

SBM 24.68 20.37 21.59 21.62 22.77 21.71 22.24 22.52 22.59 23.58 23.32 25.43 25.45

SBP 31.84 26.28 23.72 24.64 22.42 21.71 23.33 25.41 26.00 25.70 25.68 24.25 23.73

SBT 28.08 25.30 24.79 24.51 22.64 20.31 21.19 23.06 22.86 22.93 22.91 24.30 24.13

ALLH 27.47 24.27 26.55 29.37 30.46 30.90 31.47 32.04 32.32 32.84 33.97 34.27 32.86

ANDH 21.12 19.12 20.12 23.21 22.92 22.13 23.86 21.64 19.15 17.66 20.77 22.91 27.67

BOB 16.73 16.18 17.53 19.26 19.87 19.97 19.94 20.41 21.13 22.57 22.73 24.74 27.11

BOI 16.95 17.15 18.40 19.99 20.19 19.25 18.57 19.17 20.77 21.60 21.58 23.27 25.44

BOMH 36.52 33.54 34.91 35.45 35.28 31.88 29.63 28.56 26.83 23.84 24.28 23.80 23.31

CAN 22.86 20.59 20.68 23.24 22.06 21.32 21.23 22.74 23.19 21.65 22.66 23.94 23.76

CBOI 26.68 25.67 26.62 29.19 29.48 29.64 29.62 29.75 29.36 29.25 29.06 30.11 32.19

CORPT 18.39 15.58 14.56 12.78 15.91 16.43 14.07 12.69 13.71 13.57 13.79 15.08 18.64

DENA 32.58 28.36 28.75 29.92 29.37 27.60 24.55 24.67 25.21 27.11 28.41 29.43 30.96

IND 14.97 12.14 14.30 15.98 17.16 17.58 19.94 20.45 20.54 20.64 21.98 24.33 25.85

IOB 18.81 16.81 17.66 18.35 18.97 20.12 23.93 19.76 21.43 21.63 21.62 22.24 24.28

OBC 23.43 19.99 20.46 21.17 18.87 19.24 18.51 17.74 16.55 17.21 17.02 19.33 19.83

PNB 31.11 25.71 25.95 23.71 23.30 23.86 23.43 22.17 23.42 24.02 26.26 29.08 32.48

PSB 28.38 25.63 28.82 30.86 30.50 30.63 32.88 33.55 33.43 33.01 33.79 33.83 34.60

SYND 24.22 21.51 22.20 23.27 24.04 22.97 23.45 23.97 24.00 26.20 26.31 28.19 24.39

UCO 19.79 19.15 23.62 25.15 25.43 25.54 26.51 27.19 27.47 26.98 25.37 25.18 23.67

UBI 27.32 24.70 23.95 22.75 22.09 22.61 23.71 22.43 23.89 24.15 24.38 24.97 25.88

UNI 30.47 27.04 28.33 28.67 29.15 27.59 28.39 27.37 27.14 28.54 30.97 33.30 35.28

VIJ 23.90 20.36 19.54 18.77 21.08 21.03 20.09 20.52 19.79 20.17 19.72 20.63 21.16

MEAN 24.77 22.05 22.74 23.71 23.75 23.30 23.63 23.44 23.55 23.61 24.08 25.19 26.20

S.D. 5.52 4.77 4.76 4.99 4.64 4.23 4.36 4.62 4.47 4.62 4.77 4.68 4.63

C.V. 22.276 21.628 20.943 21.035 19.528 18.17 18.431 19.689 18.985 19.549 19.817 18.581 17.666

TABLE 5.1.13 SAVING DEPOSITS AS % TOTAL DEPOSITS OF PUBLIC SECTOR BANKS2005 2006 2007 2008 2009 2010 MEAN S.D. C.V.

25.86 29.66 29.65 28.70 26.71 32.02 23.65 3.97 16.77

29.04 30.23 26.48 25.13 28.30 31.39 27.45 2.00 7.28

18.79 20.15 19.13 18.78 18.36 18.76 19.38 0.84 4.34

20.17 20.80 20.02 20.60 21.31 23.98 23.45 2.38 10.14

25.72 26.01 23.59 22.73 21.97 24.10 23.26 1.61 6.92

22.73 20.88 19.97 18.03 17.36 19.69 23.33 3.37 14.45

22.53 24.07 22.83 23.45 27.06 25.70 23.82 1.87 7.84

30.60 30.86 28.75 27.97 26.80 26.66 30.02 2.81 9.38

26.86 27.22 25.70 24.65 22.63 20.75 22.63 2.85 12.57

28.00 29.00 25.28 23.53 22.08 21.78 21.99 3.64 16.53

26.81 27.13 24.40 22.29 20.13 20.92 21.26 3.00 14.09

24.73 32.19 31.01 29.97 26.10 27.11 29.42 4.45 15.14

24.54 24.51 22.78 22.89 22.37 21.26 22.54 1.20 5.31

33.46 35.32 31.79 27.07 25.66 25.15 29.21 2.71 9.26

19.56 19.89 18.07 16.06 13.64 14.05 15.60 2.30 14.77

31.87 33.57 32.66 30.17 26.47 26.90 28.87 2.70 9.36

26.65 26.96 27.70 24.59 24.34 24.70 21.10 4.70 22.30

27.55 28.63 24.94 22.78 22.13 23.87 21.87 3.20 14.61

19.24 22.65 20.36 17.93 15.91 16.47 19.05 2.05 10.76

36.36 35.70 34.70 27.99 21.56 18.62 26.81 5.11 19.05

34.26 35.02 34.38 32.30 29.87 31.34 31.95 2.51 7.86

26.29 26.95 20.95 19.72 18.51 22.53 23.67 2.48 10.49

21.26 22.21 20.76 18.42 16.81 17.35 23.05 3.49 15.13

24.58 24.29 24.38 23.46 20.58 22.19 23.80 1.51 6.33

35.99 35.67 31.40 27.76 27.89 28.36 29.96 3.00 10.00

21.06 22.99 19.70 17.25 16.45 17.31 20.08 1.81 9.01

26.33 27.41 25.44 23.62 22.35 23.19 - - -5.10 5.07 5.03 4.45 4.37 4.74 - - -

19.366 18.518 19.792 18.854 19.574 20.449 - - -

TABLE 5.1.14 SAVING DEPOSITS AS % TO TOTAL DEPOSITS OF PRIVATE SECTOR BANKSYEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005

AXIS NE NE NE 0.55 0.83 0.97 2.30 4.84 5.36 6.26 7.13 8.39 12.33 15.42

BORL 22.39 20.04 19.57 18.02 15.73 15.04 18.25 20.83 21.52 22.47 23.85 20.36 17.19 18.68

CSBL 24.57 20.70 19.69 19.58 16.21 15.97 14.25 15.27 15.80 15.42 15.65 17.09 20.01 21.47

CUBL 20.62 17.75 15.50 14.87 14.10 11.62 10.22 10.67 12.38 11.58 11.23 11.25 11.38 12.48

DEL NE NE NE NE 20.27 12.10 11.31 9.91 8.78 7.82 8.00 9.53 10.60 13.88

DHAN 26.76 21.26 18.48 16.57 11.65 8.03 9.30 10.49 11.42 12.13 13.11 13.74 15.01 15.27

FBL 20.08 19.14 16.56 17.71 14.02 12.68 10.33 12.49 15.47 14.95 15.14 15.78 17.90 18.86

HDFC NE NE NE 0.36 2.52 5.37 8.09 11.89 13.35 16.32 16.75 20.84 25.66 31.41

ICICI NE NE NE 1.50 2.54 3.69 3.95 3.74 5.41 11.48 7.78 7.87 12.29 11.41

IIBL NE NE NE 0.89 0.74 0.87 1.03 1.87 2.05 1.99 2.05 2.62 3.52 3.88

JKAL 29.21 26.18 27.14 28.18 27.12 24.77 21.34 18.87 16.94 16.77 18.27 19.16 18.60 19.34

KAL 24.55 22.11 21.91 22.29 19.04 16.33 13.26 12.71 13.42 13.09 12.98 12.90 14.23 14.82

KVBL 12.42 11.72 8.57 7.50 9.84 8.51 7.78 8.53 8.98 9.30 9.90 10.34 11.82 12.67

LVBL 16.28 15.94 14.05 10.54 11.93 10.38 10.51 11.96 12.13 11.74 12.60 12.57 13.28 13.40

NBL 39.40 34.78 35.97 38.95 35.61 33.97 36.52 38.40 35.95 35.64 36.65 39.28 42.66 40.85

RAT 23.44 19.05 20.17 17.71 17.91 16.16 13.70 13.86 13.00 13.41 13.68 12.82 15.19 15.94


SIBL 24.19 20.65 19.46 18.33 16.55 15.65 13.53 15.46 15.77 15.39 14.04 14.40 16.17 19.15

TMBL 18.40 15.48 13.63 13.09 13.03 12.07 10.71 11.18 10.89 10.70 10.79 10.97 12.27 12.42

MEAN 23.25 20.37 19.28 14.51 13.87 11.91 11.47 12.36 12.68 13.10 13.27 13.85 15.69 16.78

S.D. 6.58 5.58 6.74 10.43 8.99 8.19 8.08 8.13 7.55 7.36 7.69 7.95 8.07 8.17

C.V. 28.31 27.40 34.94 71.86 64.81 68.76 70.46 65.79 59.56 56.14 57.96 57.39 51.42 48.68


TABLE 5.1.14 SAVING DEPOSITS AS % TO TOTAL DEPOSITS OF PRIVATE SECTOR BANKS2006 2007 2008 2009 2010 MEAN S.D. C.V.

20.11 20.63 22.80 22.00 23.96 10.87 8.67 79.80

20.93 19.07 17.90 17.70 22.31 19.57 2.39 12.20

23.24 23.22 22.42 21.07 20.93 19.08 3.24 16.96

13.63 12.10 11.26 10.43 11.19 12.86 2.71 21.05

19.08 16.36 13.82 16.61 19.20 13.15 4.26 32.41

17.90 17.02 17.81 15.03 13.92 15.00 4.42 29.51

19.77 19.60 19.44 20.02 21.11 16.90 3.06 18.14

29.01 28.68 25.95 24.45 29.79 18.15 10.32 56.84

12.68 12.51 15.99 18.79 26.34 9.87 6.72 68.05

4.86 5.22 6.23 5.88 7.17 3.18 2.12 66.62

21.35 23.21 24.14 24.10 27.56 22.75 4.10 18.03

14.11 15.67 15.56 14.26 16.07 16.28 3.77 23.19

14.36 14.56 13.33 11.98 12.89 10.79 2.23 20.69

12.63 11.95 11.72 10.10 11.29 12.37 1.69 13.67

43.52 38.76 37.99 37.24 36.34 37.81 2.57 6.78

21.33 20.43 19.61 16.62 18.62 16.98 3.17 18.64

6.63 5.37 5.79 5.85 13.04 4.86 3.24 66.70

20.53 18.88 18.97 19.12 18.56 17.62 2.72 15.46

14.03 14.14 12.88 12.02 13.19 12.73 1.93 15.13

18.41 17.76 17.56 17.01 19.13 - - -8.38 7.73 7.43 7.36 7.41 - - -

45.55 43.54 42.30 43.25 38.75 - - -

TABLE 5.1.15 DEMAND DEPOSITS AS % TO TOTAL ASSETS OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005

SBI 28.19 26.07 24.23 23.86 23.32 23.17 21.22 18.16 18.38 16.61 15.64 15.12 15.78 15.42SBBJ 18.11 16.50 16.12 18.32 17.46 16.48 17.11 17.02 15.06 15.70 15.22 17.51 14.71 14.07SBH 21.95 24.56 21.85 26.13 20.36 20.03 19.46 20.55 18.69 18.01 16.27 14.45 14.78 13.84SBID 17.93 18.82 18.54 19.12 19.34 21.67 18.41 18.26 16.37 12.09 10.98 11.14 11.13 10.66SBM 16.02 15.30 15.70 16.20 14.55 16.87 15.63 14.26 12.85 11.10 11.87 11.02 10.78 9.96SBP 17.03 18.21 23.57 18.35 17.89 19.93 20.67 20.63 19.85 17.69 16.07 13.84 10.69 8.90SBT 9.82 8.72 10.11 11.13 9.77 11.32 12.97 10.76 10.28 10.78 9.04 6.96 7.57 7.09

ALLH 22.28 16.18 14.82 15.55 11.16 10.33 9.43 9.69 9.62 9.18 8.26 8.91 9.04 8.09ANDH 12.41 10.86 11.83 13.38 11.64 13.26 11.20 8.79 10.92 7.11 7.55 7.62 9.67 9.29BOB 17.10 14.68 15.14 14.51 13.15 13.03 11.99 11.75 10.77 10.42 10.24 8.99 9.28 8.45BOI 18.63 14.90 14.83 17.01 15.17 16.84 12.95 13.45 12.76 11.41 12.05 8.80 8.22 7.74

BOMH 11.92 12.92 11.83 13.53 13.66 14.11 12.45 13.29 11.53 10.37 10.15 8.63 8.48 8.32CAN 17.41 18.31 20.06 19.49 18.20 18.20 16.51 14.06 14.80 13.28 11.16 10.87 10.02 9.25CBOI 19.81 17.56 18.92 15.63 13.70 13.54 11.40 11.86 12.18 10.42 10.37 10.75 11.08 10.10

CORPT 25.36 23.69 23.40 23.91 20.78 22.05 15.43 13.07 13.38 12.90 12.23 13.45 15.35 15.03DENA 15.44 14.29 16.14 18.30 13.75 14.25 10.89 10.33 12.04 11.21 10.95 10.30 10.58 10.16IND 10.81 6.03 10.73 10.98 11.01 11.00 10.88 11.52 9.22 7.60 7.36 7.89 7.69 8.21IOB 11.50 11.13 13.91 16.20 13.98 14.64 12.77 12.92 10.72 9.92 8.36 9.91 10.09 11.33OBC 13.76 13.06 13.56 13.64 11.86 12.11 10.56 9.14 8.53 8.39 8.10 9.21 8.73 9.01PNB 11.48 10.10 10.00 10.55 9.01 9.94 8.09 8.29 7.78 6.97 6.69 7.26 9.04 9.92PSB 16.02 16.58 14.22 14.64 11.49 10.62 10.72 11.88 11.45 11.24 10.54 13.04 11.26 12.08

SYND 10.80 11.92 11.92 15.46 13.38 14.56 12.21 11.04 10.46 10.96 11.60 11.21 9.52 10.76UCO 11.54 12.51 14.73 14.82 14.87 13.96 13.23 12.26 12.61 12.03 11.43 9.84 8.73 7.98UBI 16.16 15.33 15.15 16.48 14.35 15.58 14.13 12.31 15.52 17.39 16.72 11.25 9.90 8.10UNI 13.49 11.42 12.35 14.64 11.74 10.06 9.42 9.46 9.31 8.30 9.14 9.42 9.55 10.59VIJ 14.65 14.82 18.57 19.64 17.20 19.62 17.71 17.16 16.65 13.80 12.71 11.57 9.65 11.49

MEAN 16.14 15.17 15.86 16.59 14.72 15.28 13.75 13.15 12.76 11.73 11.18 10.73 10.44 10.23S.D. 4.65 4.69 4.17 3.88 3.62 3.95 3.61 3.50 3.27 3.20 2.88 2.59 2.29 2.29C.V. 28.8 30.93 26.29 23.36 24.62 25.86 26.27 26.64 25.6 27.31 25.76 24.1 21.9 22.4

TABLE 5.1.15 DEMAND DEPOSITS AS % TO TOTAL ASSETS OF PUBLIC SECTOR BANKS2006 2007 2008 2009 2010 MEAN S.D. C.V.17.89 18.83 18.26 14.92 15.24 19.49 4.15 21.3111.84 8.53 10.13 9.52 7.68 14.58 3.37 23.1214.19 12.25 11.82 12.31 9.68 17.43 4.61 26.4610.03 9.16 11.13 8.90 9.20 14.36 4.41 30.729.49 8.36 9.14 6.91 7.47 12.29 3.23 26.268.70 7.27 7.87 5.24 6.31 14.67 5.79 39.486.33 5.51 5.83 5.37 4.71 8.64 2.41 27.908.42 9.22 8.07 7.79 7.84 10.73 3.81 35.489.09 8.83 8.92 8.78 8.68 9.99 1.91 19.118.95 7.91 7.69 7.51 7.84 11.02 2.90 26.367.89 7.81 8.31 6.63 6.91 11.70 3.85 32.89

10.65 12.15 12.18 9.59 9.79 11.34 1.83 16.148.79 8.74 8.60 7.68 7.84 13.33 4.41 33.05

11.48 10.30 9.07 7.70 9.30 12.38 3.37 27.2414.44 16.00 18.96 17.81 14.51 17.46 4.39 25.1510.08 11.85 9.08 8.31 9.05 11.95 2.69 22.547.85 7.71 7.76 7.29 7.51 8.90 1.74 19.59

11.28 9.91 10.67 8.12 8.67 11.37 2.21 19.3910.00 9.93 9.97 7.84 8.50 10.31 2.04 19.8116.43 11.02 8.35 6.20 6.42 9.13 2.38 26.0213.97 11.77 10.69 8.97 9.51 12.14 2.08 17.1611.24 9.68 11.23 9.08 8.70 11.35 1.71 15.097.34 8.44 7.24 7.30 7.30 10.96 2.81 25.658.07 10.12 11.40 9.49 9.54 13.00 3.14 24.18

10.71 10.64 10.81 9.89 9.75 10.56 1.59 15.0512.33 11.09 10.06 7.59 7.30 13.88 3.88 28.0010.67 10.12 10.12 8.72 8.66 - - -2.84 2.73 2.95 2.73 2.21 - - -

26.58 26.98 29.11 31.28 25.5 - - -

TABLE 5.1.16 DEMAND DEPOSITS AS % TO TOTAL DEPOSITS OF PRIVATE SECTOR BANKSYEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006

AXIS NE NE NE 11.08 35.59 12.92 8.59 11.99 11.64 9.12 9.37 14.65 25.74 22.56 19.87

BORL 22.41 20.93 21.82 22.55 23.22 17.76 16.97 17.89 19.01 19.26 19.06 15.70 12.58 14.05 15.74

CSBL 11.68 11.82 11.11 11.29 10.17 8.13 6.95 8.04 9.43 8.35 6.15 5.32 6.31 6.16 5.64

CUBL 17.02 17.51 16.46 19.04 15.90 13.89 11.08 9.01 11.63 12.17 10.03 9.46 9.13 9.38 9.32

DEL NE NE NE NE 19.21 14.78 8.29 8.36 8.11 5.85 7.42 7.45 8.19 8.83 12.98

DHAN 9.47 9.59 8.75 8.76 7.90 7.15 6.52 6.85 9.36 8.50 7.49 10.67 9.86 11.60 11.02

FBL 13.74 9.65 15.97 13.35 7.76 5.77 5.10 6.37 6.77 8.53 7.60 5.37 5.20 5.67 5.25

HDFC NE NE NE 5.23 33.09 31.97 30.72 33.67 32.99 24.50 23.91 22.13 29.05 29.24 26.44

ICICI NE NE NE 45.92 25.65 23.47 13.81 9.49 16.09 16.01 8.53 7.66 10.66 12.86 10.04

IIBL NE NE NE 7.60 8.95 6.84 8.00 11.16 13.30 9.06 10.91 9.56 7.65 6.81 8.01

JKAL 26.48 31.27 26.07 20.84 18.85 17.73 16.42 17.74 19.33 14.02 15.78 14.23 11.66 12.66 12.82

KAL 10.73 10.54 10.91 12.37 10.73 9.76 7.38 6.81 7.76 6.50 5.71 5.62 6.05 6.79 6.77

KVBL 21.42 18.59 14.40 16.15 13.70 12.58 9.98 11.14 11.20 12.18 12.05 11.13 11.05 11.77 12.55

LVBL 29.73 21.33 18.85 18.92 15.85 14.05 13.90 15.47 15.53 12.70 12.49 13.63 12.44 12.21 10.45

NBL 9.50 7.89 7.86 9.87 9.36 10.24 11.12 11.56 9.23 9.06 9.81 7.44 8.51 8.50 10.51

RAT 12.42 11.84 11.94 11.46 13.17 11.87 11.28 9.60 12.79 9.89 9.73 9.48 11.01 12.52 16.96

SBI COM NE NE NE NE NA 5.17 4.09 3.85 5.24 4.22 2.44 2.63 3.23 3.43 8.19

SIBL 11.26 9.55 9.13 8.39 7.18 6.74 6.17 6.18 6.13 4.85 4.92 4.78 4.80 5.64 5.88

TMBL 30.59 30.56 27.68 26.90 25.56 22.92 18.69 19.36 17.21 16.16 14.38 13.30 12.98 13.96 14.38

MEAN 17.42 16.24 15.46 15.87 16.77 13.35 11.32 11.82 12.78 11.10 10.41 10.01 10.85 11.30 11.73

S.D. 7.79 7.96 6.53 9.75 8.75 7.01 6.26 6.83 6.47 5.16 5.13 4.76 6.50 6.15 5.34

C.V. 44.73 49.00 42.22 61.42 52.16 52.47 55.33 57.81 50.63 46.47 49.28 47.57 59.95 54.43 45.53


TABLE 5.1.16 DEMAND DEPOSITS AS % TO TOTAL DEPOSITS OF PRIVATE SECTOR BANKS2007 2008 2009 2010 MEAN S.D. C.V.

19.23 22.88 21.15 22.77 17.45 7.53 43.14

12.77 11.68 9.71 10.48 17.03 4.25 24.97

5.62 5.41 4.96 4.19 7.72 2.51 32.55

12.21 9.66 8.47 10.67 12.21 3.38 27.66

11.99 10.45 14.41 16.16 10.83 3.89 35.93

11.35 11.42 9.27 7.94 9.13 1.59 17.40

5.64 5.65 4.48 5.08 7.52 3.35 44.48

29.01 28.54 19.92 22.24 26.41 7.08 26.82

9.27 10.10 9.91 15.34 15.30 9.66 63.15

9.70 9.47 13.36 16.50 9.81 2.68 27.36

13.81 15.02 14.01 13.14 17.47 5.36 30.70

7.70 6.58 5.69 7.19 7.98 2.13 26.74

13.15 12.27 9.91 10.64 12.94 2.95 22.79

10.10 9.95 6.69 6.93 14.27 5.34 37.39

10.36 7.35 6.03 6.06 8.96 1.57 17.47

17.41 18.73 16.85 17.50 12.97 2.99 23.06

9.30 6.56 1.49 2.37 4.44 2.26 50.93

5.06 5.10 4.67 4.57 6.37 1.92 30.12

13.77 12.04 9.99 11.78 18.54 6.74 36.36

11.97 11.52 10.05 11.13 - - -5.55 6.13 5.38 6.01 - - -

46.34 53.22 53.54 53.98 - - -

TABLE 5.1.17 ESTABLISHMENT EXPENSES AS % TO TOTAL ASSETS OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005

SBI 1.66 1.86 1.76 2.16 2.32 2.12 1.98 1.86 1.71 1.90 1.48 1.51 1.58 1.50

SBBJ 2.64 2.57 2.40 2.61 2.67 2.28 2.52 2.45 2.13 2.37 1.86 1.77 1.78 1.77

SBH 1.92 1.84 1.55 1.77 2.15 1.90 1.85 2.12 1.62 1.75 1.28 1.17 1.11 1.14

SBID 2.30 2.29 2.14 2.38 2.54 2.45 2.33 2.40 2.13 1.89 1.52 1.46 1.36 1.16

SBM 2.55 2.54 2.27 2.20 2.75 2.61 2.63 2.73 2.69 2.98 2.33 2.19 1.93 2.00

SBP 1.65 1.49 1.46 1.68 1.77 1.90 1.87 1.76 1.72 2.01 1.43 1.23 1.05 0.93

SBT 1.90 1.94 1.68 1.81 2.07 2.14 1.66 1.59 1.78 1.91 1.49 1.42 1.32 1.17

ALLH 1.60 1.58 1.63 1.83 2.06 2.00 1.80 1.87 1.86 2.18 1.99 1.83 1.61 1.51

ANDH 1.98 2.06 1.90 2.37 2.35 2.25 2.15 2.07 1.65 1.66 1.49 1.61 1.52 1.65

BOB 1.44 1.42 1.37 1.59 1.60 1.61 1.61 1.62 1.53 1.81 1.49 1.48 1.47 1.46

BOI 1.48 1.66 1.64 1.93 1.98 1.88 1.66 1.71 1.78 2.25 1.56 1.47 1.38 1.33

BOMH 2.48 2.51 2.32 2.43 3.03 2.71 2.49 2.48 2.13 2.23 1.56 1.42 1.15 1.56

CAN 1.81 1.66 1.63 1.84 1.89 1.80 1.60 1.83 1.75 1.89 1.55 1.42 1.28 1.25

CBOI 2.12 2.21 2.07 2.32 2.68 2.45 2.34 2.35 2.39 2.44 2.13 2.08 1.87 1.86

CORPT 1.82 1.73 1.40 1.26 1.37 1.40 1.15 1.10 1.06 1.02 0.91 0.97 0.98 0.92

DENA 2.55 2.39 2.15 2.46 2.25 2.18 2.00 1.86 1.74 2.43 1.71 1.82 1.53 1.75

IND 1.47 1.24 1.49 1.50 2.04 2.07 2.01 1.99 2.10 2.23 1.86 1.63 2.20 1.45

IOB 1.90 1.88 1.73 0.16 2.07 2.05 1.90 2.08 2.09 2.21 1.86 1.75 1.59 1.66

OBC 1.52 1.48 1.34 1.32 1.35 1.33 1.25 1.15 0.94 1.16 0.89 1.02 0.89 0.73

PNB 2.31 2.42 2.07 1.79 2.25 2.19 2.00 1.78 2.04 2.28 2.04 2.17 3.20 2.91

PSB 1.66 1.72 1.89 2.11 2.41 2.31 2.19 2.31 2.19 2.30 1.81 1.71 1.62 1.92

SYND 2.80 2.69 2.33 2.73 2.70 2.76 2.59 2.69 2.46 3.12 2.57 2.47 1.85 1.84

UCO 1.89 1.98 2.33 2.27 2.74 2.59 2.38 2.33 2.15 2.26 2.19 1.98 1.52 1.57

UBI 2.19 2.07 1.79 1.70 1.89 1.86 1.69 1.65 1.75 1.94 1.55 1.35 1.24 1.11

UNI 2.13 2.09 2.04 2.19 2.46 2.28 2.15 1.98 1.98 2.08 2.86 1.98 1.99 1.71

VIJ 2.62 2.48 2.20 1.97 2.45 2.38 2.12 1.99 2.13 2.32 1.89 2.25 1.38 1.09

MEAN 2.01 1.99 1.87 1.94 2.22 2.14 2.00 1.99 1.90 2.10 1.74 1.66 1.55 1.50

S.D. 0.41 0.41 0.34 0.53 0.43 0.37 0.39 0.41 0.39 0.45 0.45 0.38 0.47 0.44

C.V. 20.437 20.34 18.009 27.217 19.277 17.134 19.342 20.595 20.256 21.243 25.762 23.162 30 29.571

TABLE 5.1.17 ESTABLISHMENT EXPENSES AS % TO TOTAL ASSETS OF PUBLIC SECTOR BANKS2006 2007 2008 2009 2010 MEAN S.D. C.V.

1.64 1.40 1.08 1.01 1.21 1.67 0.36 21.25

1.80 1.38 1.09 0.99 0.93 2.00 0.58 28.90

1.31 1.00 0.76 0.72 0.68 1.46 0.47 32.55

1.03 0.91 0.75 0.77 0.73 1.71 0.67 38.96

1.53 1.18 1.02 0.95 0.92 2.11 0.67 31.80

0.90 0.84 0.65 0.64 0.66 1.35 0.47 34.66

1.27 1.08 0.95 0.99 1.03 1.54 0.38 24.95

1.23 0.92 0.83 0.89 0.83 1.58 0.44 27.60

1.21 1.15 0.90 0.91 0.91 1.67 0.49 29.09

1.34 1.15 1.06 1.03 0.84 1.42 0.24 16.97

1.18 1.14 0.93 0.86 0.84 1.51 0.39 26.03

1.36 1.19 1.01 0.98 0.92 1.89 0.68 35.98

1.14 0.97 0.92 0.85 0.83 1.47 0.38 25.57

1.71 1.26 0.98 0.86 0.85 1.95 0.56 28.97

0.90 0.72 0.64 0.54 0.57 1.08 0.36 33.13

1.33 1.22 0.96 0.97 0.89 1.80 0.53 29.64

1.62 1.56 1.37 1.16 1.20 1.69 0.35 20.76

1.51 1.13 0.93 1.05 1.32 1.63 0.51 31.64

0.85 0.70 0.61 0.67 0.71 1.05 0.30 28.24

1.90 1.72 1.36 1.26 0.93 2.03 0.53 25.96

1.46 1.45 1.24 1.18 1.05 1.82 0.42 22.92

1.70 1.00 0.87 0.80 0.96 2.15 0.75 34.83

1.42 1.11 1.00 0.89 0.77 1.86 0.60 31.97

0.97 0.85 0.68 0.72 0.69 1.46 0.49 33.79

1.89 1.32 1.18 1.06 0.86 1.91 0.49 25.85

1.20 0.93 0.72 0.96 1.01 1.79 0.63 35.08

1.36 1.13 0.94 0.91 0.89 - - -0.30 0.25 0.21 0.17 0.18 - - -

22.295 22.074 21.94 18.787 19.902 - - -

TABLE 5.1.18 ESTABLISHMENT EXPENSES AS % TO TOTAL ASSETS OF PRIVATE SECTOR BANKSYEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006

AXIS NE NE NE 0.17 0.34 0.31 0.26 0.31 0.23 0.26 0.34 0.43 0.50 0.47 0.48

BORL 2.18 2.13 1.81 1.74 1.53 1.56 1.81 2.23 2.19 1.99 1.96 1.69 1.37 1.32 1.74

CSBL 2.49 2.29 1.94 2.05 2.24 2.12 1.93 1.92 2.19 2.03 1.93 2.01 1.97 1.73 2.35

CUBL 2.28 1.96 1.80 1.50 1.50 1.35 1.25 1.17 1.28 1.13 1.04 0.89 0.78 0.89 0.88

DEL NE NE NE NE 1.26 1.43 1.13 1.01 0.79 0.70 0.82 0.96 1.03 1.17 1.40

DHAN 3.89 3.10 2.30 1.92 1.76 1.22 1.43 1.39 1.41 1.63 1.80 1.87 1.57 1.49 1.47

FBL 1.78 1.74 1.41 1.57 1.53 1.23 1.08 1.15 1.55 1.26 1.19 1.14 1.18 1.10 1.11

HDFC NE NE NE 0.03 0.47 0.56 0.52 0.51 0.42 0.50 0.46 0.50 0.48 0.54 0.66

ICICI NE NE NE 0.41 0.39 0.35 0.37 0.26 0.30 0.26 0.14 0.38 0.44 0.44 0.43

IIBL NE NE NE 0.12 0.12 0.12 0.15 0.18 0.15 0.15 0.20 0.29 0.33 0.39 0.48

JKAL 1.37 1.34 1.45 1.77 1.36 1.28 1.05 1.13 0.85 0.75 0.98 0.94 0.79 0.73 0.73

KAL 2.35 2.23 2.00 2.07 1.83 1.76 1.57 1.32 1.31 1.07 1.15 0.96 0.89 1.00 0.78

KVBL 2.28 2.14 1.51 1.36 1.70 1.45 1.49 1.32 1.44 1.17 1.04 0.97 1.11 0.97 0.97

LVBL 2.40 2.43 2.00 1.45 2.05 1.91 1.59 1.72 1.67 1.46 1.40 1.35 1.21 1.16 1.21

NBL 2.41 2.32 2.30 2.60 2.87 2.27 2.06 1.97 2.01 1.84 1.89 2.10 2.29 1.68 2.08

RAT 2.32 2.18 2.23 1.91 2.46 2.48 1.91 1.93 1.97 1.62 2.02 1.51 1.51 1.52 1.48


SIBL 2.78 2.33 2.02 2.06 2.28 1.99 1.76 1.78 1.94 1.63 1.29 1.24 1.41 1.25 1.29

TMBL 1.89 1.58 1.29 1.32 1.46 1.57 1.38 1.39 1.32 1.16 1.19 1.17 1.27 1.30 1.25

MEAN 2.34 2.14 1.85 1.42 1.51 1.33 1.21 1.21 1.23 1.11 1.12 1.10 1.09 1.04 1.12

S.D. 0.58 0.43 0.34 0.77 0.77 0.70 0.62 0.64 0.69 0.60 0.62 0.55 0.53 0.42 0.54

C.V. 25.00 20.28 18.63 54.72 51.13 52.85 51.12 52.52 56.38 54.29 55.07 49.97 48.32 40.42 48.43


TABLE 5.1.18 ESTABLISHMENT EXPENSES AS % TO TOTAL ASSETS OF PRIVATE SECTOR BANKS2007 2008 2009 2010 MEAN S.D. C.V.

0.52 0.61 0.68 0.70 0.41 0.16 38.57

1.33 1.11 1.21 2.21 1.74 0.36 20.76

1.75 1.65 1.69 1.52 1.99 0.25 12.78

0.83 0.67 0.70 0.69 1.19 0.46 38.31

1.30 1.28 1.76 1.43 1.16 0.29 24.71

1.27 1.17 1.11 1.35 1.74 0.69 39.84

1.04 0.83 0.82 0.84 1.24 0.29 23.22

0.85 0.98 1.22 1.03 0.61 0.29 46.96

0.47 0.52 0.52 0.53 0.39 0.11 27.56

0.46 0.52 0.68 0.82 0.32 0.22 67.59

0.77 0.69 0.74 0.86 1.03 0.31 30.42

0.80 0.94 0.83 0.77 1.35 0.54 39.81

0.84 0.70 0.72 0.74 1.26 0.45 35.49

0.96 0.97 0.94 0.88 1.51 0.48 31.38

1.37 0.99 1.06 0.96 1.95 0.53 27.34

1.93 1.16 1.20 1.10 1.81 0.43 23.52

0.69 0.59 0.57 0.73 0.52 0.14 26.67

0.98 0.86 1.05 0.89 1.62 0.54 33.56

1.26 1.14 1.11 1.06 1.32 0.20 14.91

1.02 0.91 0.98 1.01 - - -0.41 0.30 0.34 0.39 - - -

39.70 32.40 35.16 38.95 - - -

TABLE 5.1.19 TOTAL CREDIT AS % TO TOTAL ASSETS OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004

SBI 46.64 47.45 37.21 39.78 41.41 39.77 41.32 37.01 37.51 35.99 34.69 36.65 38.73

SBBJ 47.37 46.94 41.39 41.55 36.85 36.99 42.95 37.55 35.30 37.27 38.14 37.55 42.44

SBH 48.63 45.94 37.25 46.97 47.59 42.86 43.61 40.43 39.25 38.66 38.08 36.98 38.55

SBID 47.99 49.41 46.82 47.27 47.15 46.17 46.46 42.75 45.25 41.68 42.66 45.56 49.11

SBM 45.38 49.13 40.49 45.88 42.99 44.18 44.89 43.43 42.19 45.54 47.47 46.41 45.84

SBP 46.61 42.59 39.14 42.38 39.63 43.67 42.58 44.35 46.91 47.70 50.06 50.48 48.65

SBT 43.36 48.40 45.46 52.28 50.40 46.97 43.81 38.96 41.27 44.17 45.08 48.18 46.38

ALLH 44.27 44.33 38.45 38.89 38.77 37.50 37.77 40.09 41.80 43.45 44.39 44.72 44.21

ANDH 43.74 40.25 34.03 38.07 36.41 35.20 35.71 39.15 35.27 36.41 46.22 46.65 47.71

BOB 48.98 48.97 47.17 47.50 46.52 43.92 43.20 40.38 41.62 43.30 47.47 46.26 41.83

BOI 54.16 49.84 42.86 40.48 47.05 48.32 47.52 45.11 45.00 53.42 54.88 55.64 54.04

BOMH 43.79 39.55 32.25 34.01 34.52 35.49 33.72 33.33 34.49 35.05 38.45 38.15 36.42

CAN 48.61 39.26 36.05 41.21 42.08 40.42 39.03 40.59 43.28 41.89 45.87 49.32 47.86

CBOI 46.52 44.01 33.17 37.78 38.37 33.30 34.99 36.23 38.11 39.85 40.46 40.56 36.00

CORPT 37.89 38.87 30.69 29.09 35.37 36.97 38.37 41.96 46.40 43.98 46.55 45.79 47.64

DENA 40.80 40.03 35.23 39.58 41.25 41.63 41.97 43.09 42.24 39.10 39.93 41.84 42.47

IND 58.59 52.45 49.69 50.82 44.25 40.30 37.32 34.95 34.87 35.41 36.05 34.70 36.08

IOB 54.91 49.83 40.66 41.44 41.51 40.46 40.44 41.36 41.90 43.23 42.78 42.39 42.89

OBC 44.14 46.79 42.82 42.84 44.39 42.27 42.75 41.03 38.00 40.91 43.88 46.13 47.99

PNB 43.38 40.13 35.14 38.52 38.55 36.76 35.28 38.62 40.04 38.66 40.55 40.66 40.17

PSB 43.33 46.98 39.11 40.87 40.27 40.14 40.34 41.12 41.70 44.14 47.14 46.66 46.15

SYND 45.65 42.47 32.90 30.92 34.70 33.30 35.74 42.53 44.94 46.44 46.87 47.35 43.72

UCO 54.57 46.55 39.60 36.63 32.14 29.95 30.19 29.98 32.39 36.90 40.81 45.61 47.09

UBI 41.81 43.42 39.71 41.80 42.31 40.94 39.90 36.21 41.77 44.91 48.19 49.97 50.46

UNI 43.56 39.28 30.37 28.99 26.37 23.76 23.43 22.33 23.39 26.72 29.96 30.29 30.81

VIJ 49.37 42.64 37.97 35.24 33.83 30.73 34.16 33.95 36.64 40.12 38.38 41.36 45.89

MEAN 46.69 44.83 38.68 40.41 40.18 38.92 39.13 38.71 39.67 40.96 42.88 43.69 43.81

S.D. 4.73 4.05 5.11 5.95 5.53 5.69 5.34 4.95 5.14 5.20 5.41 5.64 5.35

C.V. 10.139 9.0454 13.209 14.717 13.762 14.608 13.65 12.782 12.963 12.69 12.62 12.921 12.207

TABLE 5.1.19 TOTAL CREDIT AS % TO TOTAL ASSETS OF PUBLIC SECTOR BANKS2005 2006 2007 2008 2009 2010 MEAN S.D. C.V.

44.01 52.99 59.54 57.76 56.25 59.99 44.46 8.67 19.49

51.37 57.77 59.48 60.93 64.37 64.97 46.38 10.26 22.11

44.67 51.35 57.30 58.18 56.93 59.77 45.95 7.63 16.61

53.50 57.34 62.59 62.25 65.34 66.94 50.86 8.02 15.78

53.05 60.78 61.34 63.58 63.27 65.04 50.05 8.30 16.59

48.76 53.79 60.62 61.63 62.63 60.92 49.11 7.53 15.34

51.42 59.21 65.24 64.10 66.14 64.69 50.82 8.74 17.20

46.85 52.72 61.02 59.95 60.22 58.84 46.22 8.18 17.70

53.52 54.34 58.66 60.50 64.47 62.11 45.71 10.31 22.55

45.85 52.84 58.42 59.41 63.32 62.89 48.94 7.12 14.55

58.46 58.05 59.97 63.45 63.37 61.28 52.78 7.01 13.28

39.72 52.76 58.75 60.82 58.09 56.74 41.90 10.01 23.90

54.78 59.80 59.35 59.40 62.93 63.96 48.19 9.07 18.82

39.77 50.19 55.69 58.89 57.89 57.69 43.13 8.73 20.24

54.67 59.16 56.81 58.84 55.82 56.60 45.34 9.56 21.08

47.06 53.61 58.20 59.58 59.59 61.58 45.73 8.28 18.10

41.91 47.20 51.75 56.50 61.18 61.29 45.54 9.58 21.04

49.60 58.55 57.21 59.31 61.85 60.26 47.93 8.03 16.76

46.79 56.97 59.70 60.16 60.84 60.75 47.85 7.66 16.01

40.22 47.83 53.44 59.27 59.51 57.60 43.39 8.04 18.52

47.85 51.37 59.47 60.04 62.65 62.91 47.49 8.03 16.91

51.29 59.71 57.88 59.79 62.59 65.02 46.52 10.56 22.69

50.66 60.44 62.77 61.34 61.62 60.08 45.23 12.09 26.74

55.38 59.89 60.76 59.90 59.97 61.14 48.34 8.58 17.75

39.14 46.69 52.37 51.29 57.05 54.97 35.83 11.80 32.93

48.87 52.84 57.19 56.40 56.86 59.12 43.77 9.29 21.23

48.43 54.93 58.67 59.74 60.95 61.04 - - -5.40 4.31 3.07 2.57 2.97 2.99 - - -

11.147 7.8469 5.234 4.3008 4.8696 4.8979 - - -

TABLE 5.1.20 TOTAL CREDIT TO TOTAL ASSETS OF PRIVATE SECTOR BANKSYEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006

AXIS NE NE NE 63.36 46.04 38.70 51.29 55.42 52.58 44.78 37.23 36.61 38.77 41.34 44.87

BORL 43.96 40.40 38.14 41.86 43.68 43.99 43.40 40.52 41.86 42.98 40.72 36.24 28.76 31.64 41.25

CSBL 45.38 45.70 46.23 49.56 54.22 56.33 49.79 40.93 39.40 42.27 34.81 38.08 44.07 51.62 56.45

CUBL 47.22 44.18 48.25 49.90 53.13 52.60 50.21 47.10 49.89 48.22 45.34 46.19 48.47 57.59 61.78

DEL NE NE NE NE 45.94 47.98 42.32 43.28 49.24 52.10 53.94 56.41 45.24 46.27 49.91

DHAN 40.68 46.19 46.64 54.38 53.75 46.14 46.39 43.83 48.70 51.94 48.62 51.30 46.57 53.32 55.97

FBL 40.30 44.35 44.15 49.08 51.11 54.91 53.64 52.36 53.08 55.04 51.15 50.96 50.95 52.45 56.85

HDFC NE NE NE 2.89 37.15 31.69 29.75 32.20 28.85 29.69 28.64 38.64 41.94 49.71 47.70

ICICI NE NE NE 26.56 56.23 44.78 34.39 30.22 30.29 35.63 45.18 49.88 49.59 54.52 58.14

IIBL NE NE NE 56.32 59.47 54.12 48.77 43.16 45.98 48.97 54.62 54.01 48.40 57.61 52.83

JKAL 51.81 53.12 52.87 43.93 39.29 40.01 38.57 39.24 33.31 37.45 43.70 47.70 43.78 47.16 54.76

KAL 45.48 47.87 48.39 51.50 52.01 50.09 47.11 42.00 42.69 42.36 44.02 42.09 44.13 50.19 52.11

KVBL 37.94 37.55 32.26 43.19 53.91 49.27 45.75 46.40 48.26 53.17 48.14 54.13 56.61 58.59 61.67

LVBL 37.95 38.29 40.02 38.21 44.37 45.45 46.00 48.44 49.75 56.68 54.95 55.17 53.35 57.18 60.02

NBL 38.55 34.80 30.76 31.18 30.57 25.64 21.04 21.16 20.65 20.66 19.75 22.43 27.56 34.59 45.67

RAT 45.37 45.03 47.02 45.96 43.50 47.62 45.56 41.74 37.39 41.18 39.53 42.13 42.44 48.72 50.17


SIBL 47.16 45.00 43.65 42.79 50.04 48.75 47.75 46.47 45.48 47.32 49.29 47.36 45.35 56.61 58.83

TMBL 42.57 43.13 46.88 51.02 48.70 48.63 42.94 39.73 40.80 43.30 41.43 41.51 41.54 46.76 51.23

MEAN 43.41 43.51 43.48 43.63 47.95 45.27 43.29 41.94 42.64 44.11 42.94 44.25 43.27 49.70 53.06

S.D. 4.21 4.81 6.49 13.77 7.36 8.19 8.04 7.77 9.08 8.90 9.15 9.14 8.44 7.49 5.93

C.V. 9.70 11.06 14.93 31.55 15.34 18.09 18.57 18.52 21.30 20.19 21.31 20.65 19.51 15.07 11.18


TABLE 5.1.20 TOTAL CREDIT TO TOTAL ASSETS OF PRIVATE SECTOR BANKS2007 2008 2009 2010 MEAN S.D. C.V.

50.34 54.45 55.21 57.76 48.05 8.18 17.02

47.15 47.04 45.17 48.15 41.42 4.97 12.00

56.84 55.59 52.33 58.09 48.30 7.12 14.74

62.08 61.74 61.02 59.12 52.32 6.21 11.87

50.52 53.66 55.09 56.38 49.88 4.65 9.32

53.28 52.12 56.64 61.91 50.44 5.15 10.20

59.38 58.16 57.64 61.71 52.49 5.42 10.32

51.45 47.63 53.95 56.56 38.03 13.50 35.51

56.83 56.43 57.56 49.86 46.01 11.09 24.11

52.97 55.01 57.11 58.10 52.97 4.67 8.82

59.62 57.65 55.53 54.19 47.04 7.82 16.63

58.89 56.06 51.67 53.42 48.53 4.97 10.24

63.55 64.61 61.02 61.30 51.44 9.44 18.35

62.00 59.18 63.03 59.86 51.05 8.58 16.81

46.57 48.31 46.39 44.78 32.16 10.26 31.89

46.27 39.72 46.93 56.12 44.86 4.34 9.68

49.22 53.85 42.58 31.96 40.97 9.00 21.96

58.00 61.17 58.14 61.97 50.59 6.30 12.46

57.10 60.14 58.45 61.00 47.73 6.99 14.64

54.85 54.87 54.50 55.38 - - -5.53 6.00 5.70 7.45 - - -

10.09 10.93 10.45 13.45 - - -

TABLE 5.1.21 OTHER INCOME AS % TOTAL INCOME OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005

SBI 12.77 13.08 14.58 13.04 17.54 15.02 15.08 14.67 13.85 13.38 12.28 15.59 19.99 18.00

SBBJ 12.16 13.72 15.45 16.94 15.05 14.83 16.05 14.51 16.47 15.88 18.14 19.12 23.80 21.72

SBH 12.56 13.60 14.82 16.32 15.28 13.27 14.13 13.44 15.24 14.54 16.00 18.25 24.22 15.35

SBID 11.37 12.85 13.81 15.58 13.44 12.21 15.13 15.21 19.35 18.65 23.64 23.44 25.64 13.84

SBM 10.89 12.35 16.35 13.02 15.26 12.70 13.61 14.69 17.03 15.75 19.37 22.08 24.36 24.45

SBP 7.10 7.34 8.48 6.49 12.00 9.22 9.44 11.48 12.34 11.24 14.95 16.38 25.03 14.29

SBT 8.57 11.33 15.04 14.33 13.22 12.02 13.16 13.02 14.37 12.87 13.67 15.93 21.27 16.90

ALLH 11.31 10.80 8.34 10.16 11.99 12.40 13.56 11.58 12.24 10.51 14.48 16.94 21.93 16.73

ANDH 9.46 9.47 11.29 15.24 10.38 11.11 11.28 12.25 13.89 9.84 13.03 21.57 23.34 24.82

BOB 10.48 8.46 16.65 12.84 11.67 10.87 11.52 10.71 10.94 10.93 14.29 17.14 21.85 16.87

BOI 11.10 9.98 12.03 11.73 12.71 12.24 12.84 11.11 14.22 13.95 16.44 21.69 23.62 16.08

BOMH 7.74 8.72 8.23 9.54 9.43 8.53 8.59 8.68 11.17 11.53 13.34 14.76 17.43 13.99

CAN 12.08 11.32 13.12 12.23 13.68 11.76 13.72 11.82 14.69 14.04 18.32 18.51 22.83 16.94

CBOI 9.18 8.58 9.45 9.73 11.15 10.75 10.74 9.61 10.45 9.91 11.42 9.84 16.00 15.02

CORPT 13.41 12.36 17.32 15.82 14.15 11.88 12.30 12.77 14.44 13.93 16.41 20.19 19.01 20.06

DENA 8.66 8.96 9.81 9.36 10.74 9.79 13.15 9.31 11.77 10.39 17.12 19.78 26.24 15.28

IND 10.20 8.72 10.82 12.37 11.30 12.19 11.89 10.90 12.66 13.09 17.95 17.17 21.89 16.54

IOB 12.76 16.98 20.09 11.53 7.90 9.34 9.45 9.84 9.61 9.77 14.34 12.98 16.48 16.83

OBC 5.91 7.71 7.43 9.85 8.95 7.70 8.67 8.48 8.26 8.85 13.48 14.10 17.94 12.39

PNB 7.65 9.23 10.74 10.87 10.12 11.12 12.02 10.20 12.04 11.85 15.28 19.30 16.68 17.02

PSB 4.61 7.32 11.21 8.49 9.05 11.37 13.75 10.91 12.37 11.72 12.82 14.31 19.35 16.53

SYND 11.31 10.11 8.46 9.79 9.43 8.93 11.51 11.58 11.17 9.16 8.74 14.69 20.11 13.58

UCO 9.07 12.96 7.85 11.51 10.73 8.89 11.75 9.96 11.18 11.57 18.66 17.91 16.80 12.69

UBI 9.24 9.86 9.56 9.17 8.66 7.95 7.66 8.39 8.28 7.70 11.06 16.07 15.55 13.36

UNI 8.07 6.36 8.01 10.60 10.66 8.81 9.53 7.31 7.60 7.86 16.22 16.81 19.60 18.32

VIJ 8.54 14.76 12.96 14.74 8.80 7.95 9.15 9.83 8.89 10.33 10.93 17.16 21.32 14.35

MEAN 9.85 10.65 12.00 11.97 11.66 10.88 11.91 11.24 12.48 11.89 15.09 17.37 20.86 16.61

S.D. 2.25 2.62 3.48 2.70 2.46 2.04 2.25 2.13 2.85 2.63 3.20 3.08 3.20 3.20

C.V. 22.831 24.564 29.036 22.568 21.13 18.752 18.855 18.954 22.859 22.076 21.191 17.713 15.356 19.277

TABLE 5.1.21 OTHER INCOME AS % TOTAL INCOME OF PUBLIC SECTOR BANKS2006 2007 2008 2009 2010 MEAN S.D. C.V.

17.13 12.75 15.08 16.59 17.41 15.15 2.14 14.12

11.20 12.66 13.39 13.15 12.78 15.63 3.26 20.82

14.31 11.59 13.33 11.87 11.73 14.73 2.86 19.40

15.62 11.21 12.24 11.44 12.01 15.61 4.47 28.61

19.95 15.09 14.47 12.89 10.68 16.05 4.18 26.05

12.36 9.61 12.14 9.81 10.14 11.57 4.20 36.29

13.25 7.27 11.33 12.20 10.76 13.19 3.02 22.93

11.35 7.16 13.52 13.42 15.34 12.83 3.35 26.08

12.77 11.88 12.95 12.47 13.15 13.69 4.54 33.12

13.79 11.30 14.79 15.45 14.39 13.42 3.22 23.97

14.42 14.55 14.63 15.73 12.77 14.31 3.45 24.08

2.07 8.87 9.95 10.44 11.10 10.22 3.25 31.79

13.12 11.32 13.48 11.89 13.22 14.11 3.02 21.37

8.97 7.09 10.27 9.28 12.57 10.53 2.12 20.09

15.28 14.16 13.41 15.43 17.61 15.26 2.57 16.87

19.96 15.60 15.16 11.09 12.80 13.42 4.71 35.11

12.10 14.61 16.17 13.16 14.58 13.60 3.19 23.47

10.94 6.22 11.82 14.20 10.04 12.16 3.57 29.34

11.83 10.46 8.42 10.79 10.47 10.09 2.87 28.41

8.45 11.69 12.52 11.15 9.48 11.97 3.06 25.54

11.73 8.29 12.28 13.12 14.42 11.77 3.37 28.59

12.18 9.29 10.12 8.24 10.41 10.99 2.80 25.47

7.91 7.68 10.61 11.16 9.21 11.48 3.22 28.06

7.78 8.51 12.53 11.09 12.93 10.28 2.64 25.70

15.62 10.09 11.57 10.22 9.62 11.20 4.04 36.08

10.93 8.87 12.04 11.77 11.56 11.84 3.42 28.91

12.50 10.68 12.62 12.23 12.35 - - -3.79 2.72 1.85 2.06 2.27 - - -

30.344 25.459 14.654 16.83 18.392 - - -

TABLE 5.1.22 OTHER INCOME AS % TO TOTAL INCOME OF PRIVATE SECTOR BANKSYEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005

AXIS NE NE NE 5.90 12.92 13.26 19.24 11.10 15.87 15.49 26.07 21.89 25.40 17.77

BORL 8.78 8.82 11.07 12.45 12.26 10.49 11.47 11.07 11.78 11.32 17.68 21.10 26.04 10.88

CSBL 7.89 7.10 10.58 7.87 11.24 8.38 11.30 8.72 12.97 13.37 22.70 26.51 24.96 11.16

CUBL 11.50 12.24 13.40 14.01 15.74 15.59 14.85 15.55 15.84 13.53 18.46 18.74 19.40 10.32

DEL NE NE NE NE 6.60 16.24 27.91 12.60 20.32 11.15 20.25 19.42 20.04 23.14

DHAN 10.97 11.30 11.78 14.23 7.69 9.01 9.85 8.62 13.14 12.78 24.50 27.05 23.34 7.11

FBL 8.41 10.78 8.53 11.23 16.60 10.85 11.65 11.62 13.05 11.98 17.45 17.42 19.99 15.11

HDFC NE NE NE 11.69 10.48 16.34 20.48 15.33 15.57 12.84 16.37 18.95 15.85 17.39

ICICI NE NE NE 30.95 14.52 17.93 24.67 14.06 18.54 15.05 21.08 25.22 25.63 26.63

IIBL NE NE NE 18.38 16.05 16.67 21.93 12.25 18.51 13.79 20.61 25.76 25.91 18.10

JKAL 2.94 4.13 4.19 5.28 7.45 6.93 9.78 5.84 10.62 6.98 15.96 16.75 16.55 5.84

KAL 9.87 9.27 10.71 10.17 12.36 9.83 10.02 8.95 11.11 12.04 24.49 22.77 24.16 20.84

KVBL 13.29 11.97 14.49 18.92 17.11 13.01 19.72 10.76 12.15 10.46 17.84 20.44 10.29 16.07

LVBL 15.29 18.07 20.32 23.62 17.65 15.87 18.37 17.12 21.16 18.98 24.05 23.71 23.30 11.39

NBL 5.46 6.38 6.90 5.89 5.01 4.46 4.30 4.46 5.29 4.09 5.13 6.60 15.72 11.35

RAT 3.72 5.16 5.26 4.71 6.09 7.27 9.78 7.94 14.19 12.96 29.44 22.95 15.40 7.10


SIBL 10.37 10.94 19.35 12.23 9.08 7.34 7.14 8.45 13.72 11.83 18.37 21.77 25.69 12.62

TMBL 17.28 21.28 19.63 16.62 17.63 17.14 15.81 14.59 13.81 11.99 12.61 11.18 11.21 11.70

MEAN 9.67 10.57 12.02 13.19 12.03 11.94 15.13 11.32 14.61 12.31 19.74 20.46 21.21 14.79

S.D. 4.21 4.84 5.31 7.00 4.29 4.16 6.36 3.56 3.92 3.08 5.38 5.08 5.96 6.21

C.V. 43.48 45.81 44.22 53.06 35.65 34.82 42.02 31.45 26.82 25.04 27.25 24.83 28.12 41.99


TABLE 5.1.22 OTHER INCOME AS % TO TOTAL INCOME OF PRIVATE SECTOR BANKS2006 2007 2008 2009 2010 MEAN S.D. C.V.

20.16 18.46 20.40 21.10 25.32 18.15 5.56 30.62

8.70 14.06 10.79 8.72 8.73 12.43 4.55 36.64

9.92 9.44 11.17 15.18 11.34 12.73 5.74 45.13

10.81 11.91 13.16 13.33 13.04 14.28 2.61 18.25

16.61 21.05 23.60 15.69 18.98 18.24 5.33 29.25

9.45 10.02 11.86 16.27 14.55 13.34 5.72 42.84

13.12 14.38 13.56 13.46 12.63 13.25 3.03 22.88

20.07 18.57 18.42 16.77 19.76 16.55 2.94 17.75

22.62 23.95 22.25 19.65 22.53 21.58 4.73 21.94

13.71 14.00 13.66 16.50 16.98 17.68 4.14 23.41

6.10 7.78 9.14 8.09 11.98 8.54 4.17 48.78

14.08 12.18 13.21 14.17 16.08 14.02 5.18 36.99

15.63 12.08 14.19 15.50 12.32 14.54 3.15 21.70

9.78 11.94 14.01 13.99 10.22 17.31 4.65 26.87

12.16 3.57 4.28 4.73 6.81 6.45 3.19 49.47

8.30 5.73 7.53 10.20 8.40 10.11 6.58 65.07

22.40 10.24 24.01 5.39 12.68 18.32 7.57 41.33

8.67 9.55 9.94 8.87 9.72 12.40 5.19 41.83

12.46 11.49 14.66 12.20 13.38 14.56 3.01 20.65

13.41 12.65 14.20 13.15 13.97 - - -4.98 5.07 5.38 4.48 4.91 - - -

37.11 40.11 37.90 34.09 35.17 - - -

TABLE 5.1.23 CAPITAL AS % TO TOTAL ASSETS OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005

SBI 0.21 0.20 0.42 0.39 0.33 0.34 0.29 0.24 0.20 0.17 0.15 0.14 0.13 0.11

SBBJ 0.65 0.57 0.48 0.41 0.55 0.45 0.59 0.49 0.40 0.36 0.32 0.28 0.25 0.21

SBH 0.43 0.35 0.27 0.25 0.21 0.18 0.16 0.13 0.11 0.09 0.08 0.07 0.06 0.05

SBID 0.51 0.47 0.40 0.33 0.56 0.50 0.43 0.35 0.28 0.21 0.17 0.15 0.13 0.10

SBM 0.50 0.44 0.35 0.31 0.76 0.66 0.61 0.52 0.43 0.38 0.35 0.32 0.26 0.22

SBP 0.66 0.51 0.44 0.38 0.30 0.29 0.26 0.23 0.20 0.17 0.14 0.12 0.09 0.08

SBT 0.58 0.51 0.40 0.33 0.53 0.45 0.55 0.46 0.40 0.35 0.30 0.26 0.21 0.17

ALLH 1.39 1.93 2.71 5.74 6.27 1.87 1.63 1.42 1.25 1.12 1.00 1.24 1.00 0.77

ANDH 1.42 1.94 4.26 6.74 6.02 7.16 6.41 3.01 2.20 2.21 2.15 1.62 1.48 1.22

BOB 1.12 1.37 2.76 2.38 1.68 0.68 0.64 0.56 0.50 0.46 0.42 0.39 0.35 0.31

BOI 2.02 2.02 4.33 6.47 1.76 1.57 1.38 1.18 1.14 1.07 0.70 0.64 0.58 0.51

BOMH 3.60 3.93 5.97 9.70 9.60 8.54 7.03 2.71 2.17 1.74 1.54 1.33 1.34 1.31

CAN 0.69 1.02 2.56 2.24 1.56 1.36 1.34 1.20 1.06 0.87 0.80 0.50 0.41 0.37

CBOI 1.27 1.18 3.71 6.32 5.63 6.84 5.92 5.11 4.35 3.82 2.14 1.97 1.77 1.64

CORPT 1.39 2.11 2.42 1.58 1.62 1.01 1.07 0.80 0.72 0.61 0.61 0.55 0.49 0.42

DENA 2.36 2.96 4.52 3.90 1.78 2.13 1.69 1.39 1.23 1.15 1.10 1.03 0.93 1.19

IND 1.52 1.38 3.10 4.22 3.68 3.84 12.36 11.67 10.64 9.40 12.57 12.93 11.68 10.43

IOB 3.94 3.43 8.19 8.34 7.38 1.86 1.56 1.36 1.21 1.47 1.26 1.08 1.15 1.07

OBC 1.20 1.64 2.14 2.34 1.83 1.67 1.30 1.03 0.78 0.71 0.60 0.57 0.47 0.36

PNB 3.66 5.36 7.61 7.64 7.68 9.29 7.81 2.29 2.04 1.81 1.77 1.68 1.62 1.55

PSB 0.59 0.89 1.44 1.27 1.15 1.00 0.53 0.46 0.39 0.33 0.52 0.31 0.26 0.25

SYND 1.88 1.60 6.93 7.82 8.29 7.36 6.62 1.58 1.74 1.67 1.49 1.37 1.00 0.91

UCO 4.22 4.00 8.95 11.65 10.71 10.49 11.11 10.91 9.61 8.29 7.22 1.72 1.83 1.46

UBI 1.23 1.34 2.60 1.98 1.65 1.51 1.31 1.08 0.97 0.87 0.76 0.90 0.79 0.64

UNI 5.62 4.88 6.94 11.50 12.70 13.43 11.89 10.52 9.28 8.43 7.95 7.46 7.01 6.22

VIJ 2.47 3.37 3.99 3.80 3.52 6.91 5.89 5.01 2.03 2.52 2.07 1.75 1.80 1.48

MEAN 1.74 1.90 3.38 4.15 3.76 3.51 3.48 2.53 2.13 1.93 1.85 1.55 1.43 1.27

S.D. 1.40 1.46 2.67 3.66 3.68 3.84 3.93 3.40 2.99 2.64 2.91 2.72 2.49 2.22

C.V. 80.68 77.01 78.99 88.11 98.01 109.1 113.2 134.3 140.6 136.7 157.4 175.6 174.7 174.8

TABLE 5.1.23 CAPITAL AS % TO TOTAL ASSETS OF PUBLIC SECTOR BANKS2006 2007 2008 2009 2010 MEAN S.D. C.V.

0.11 0.09 0.09 0.07 0.06 0.20 0.11 56.38

0.18 0.14 0.12 0.11 0.09 0.35 0.18 50.87

0.04 0.04 0.03 0.02 0.02 0.14 0.12 86.74

0.08 0.07 0.06 0.05 0.05 0.26 0.18 68.70

0.19 0.13 0.11 0.09 0.08 0.35 0.20 55.93

0.06 0.05 0.47 0.39 0.39 0.27 0.17 62.52

0.16 0.13 0.11 0.10 0.08 0.32 0.17 51.68

0.81 0.66 0.54 0.46 0.37 1.69 1.63 96.13

1.19 1.02 0.86 0.71 0.54 2.74 2.22 80.72

0.32 0.26 0.20 0.16 0.13 0.77 0.76 97.96

0.43 0.34 0.29 0.23 0.19 1.41 1.57 110.69

1.38 1.10 0.89 0.73 0.61 3.43 3.13 91.19

0.31 0.25 0.23 0.19 0.15 0.90 0.69 76.50

1.51 1.21 0.97 0.89 0.97 3.01 2.08 69.21

0.35 0.27 0.22 0.17 0.13 0.87 0.67 76.84

1.08 0.91 0.74 0.59 0.50 1.64 1.10 67.10

1.56 1.48 1.18 0.99 0.82 6.08 4.87 80.18

0.92 0.66 0.53 0.45 0.42 2.44 2.63 107.82

0.43 0.34 0.28 0.22 0.18 0.95 0.69 72.05

3.90 3.38 2.40 0.93 0.68 3.85 2.80 72.72

0.22 0.19 0.16 0.13 0.11 0.54 0.41 76.98

0.85 0.58 0.49 0.40 0.38 2.79 2.89 103.65

1.29 1.07 0.89 1.12 1.24 5.67 4.30 75.89

0.57 0.49 0.41 0.31 0.26 1.03 0.60 58.22

4.61 3.62 2.82 2.87 1.13 7.31 3.57 48.91

1.37 1.02 0.77 1.50 1.33 2.77 1.71 61.94

0.92 0.75 0.61 0.53 0.42 - - -1.11 0.91 0.68 0.61 0.39 - - -

120.3 121.5 110.9 115.1 93.27 - - -

TABLE 5.1.24 CAPITAL AS % TO TOTAL ASSETS OF PRIVATE SECTOR BANKS

YEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004

AXIS NE NE NE 20.30 9.51 6.96 3.62 3.37 1.98 1.23 1.33 1.17 0.96

BORL 0.20 0.18 0.14 0.33 0.58 0.53 0.53 0.49 1.52 2.31 2.09 1.73 1.27

CSBL 0.26 0.54 0.50 0.42 0.35 0.32 0.27 0.43 0.39 0.35 0.30 0.27 0.25

CUBL 0.66 0.70 0.76 0.81 0.74 0.60 1.57 1.70 1.56 1.32 1.08 0.91 0.75

DEL NE NE NE NE 1.81 1.28 0.92 0.70 0.50 0.58 0.55 0.64 0.73

DHAN 0.62 1.13 1.54 1.53 2.70 1.13 1.23 1.06 0.92 0.81 2.18 1.52 1.31

FBL 0.31 0.26 0.41 0.45 0.39 0.40 0.30 0.27 0.29 0.25 0.21 0.18 0.14

HDFC NE NE NE 4.42 20.16 11.02 10.60 4.60 3.49 1.56 1.18 0.93 0.67

ICICI NE NE NE 23.00 12.96 8.42 5.03 2.36 1.63 1.12 0.93 0.90 0.77

IIBL NE NE NE 16.20 6.36 3.37 3.14 2.58 1.99 1.84 1.56 2.21 1.92

JKAL 0.24 0.36 0.30 0.25 0.20 0.17 0.54 0.64 0.45 0.38 0.33 0.29 0.23

KAL 0.52 0.45 0.36 0.29 0.59 0.47 0.35 0.28 0.24 0.20 0.17 0.44 0.38

KVBL 0.35 0.32 0.21 0.27 0.39 0.31 0.24 0.19 0.16 0.14 0.12 0.27 0.25

LVBL 0.45 0.49 0.43 0.82 1.02 0.86 0.70 0.61 0.50 0.44 0.40 0.36 0.30

NBL 0.76 0.65 0.58 0.54 0.44 0.35 0.29 0.60 0.50 0.86 0.76 1.95 1.76

RAT 0.34 0.54 0.65 0.71 0.71 0.58 0.73 0.75 1.38 1.53 1.41 1.57 2.26

SBI COM NE NE NE NE NA 23.06 15.76 16.61 14.14 15.48 14.19 16.98 20.44

SIBL 0.30 0.61 0.73 0.82 0.69 0.60 0.63 0.99 0.80 0.68 0.55 0.47 0.39

TMBL 0.06 0.04 0.03 0.02 0.02 0.02 0.01 0.01 0.01 0.01 0.01 0.01 0.01

MEAN 0.39 0.48 0.51 4.19 3.31 3.18 2.44 2.01 1.71 1.64 1.54 1.73 1.83

S.D. 0.20 0.27 0.38 7.63 5.54 5.76 4.10 3.74 3.13 3.41 3.13 3.75 4.55

C.V. 51.50 56.66 74.65 182.21 167.29 181.18 167.76 185.68 183.51 208.60 202.64 217.29 248.58


TABLE 5.1.24 CAPITAL AS % TO TOTAL ASSETS OF PRIVATE SECTOR BANKS

2005 2006 2007 2008 2009 2010 MEAN S.D. C.V.

0.73 0.56 0.38 0.33 0.24 0.22 3.31 5.24 158.39

1.18 1.09 0.89 0.85 0.94 0.93 0.93 0.63 67.56

0.24 0.22 0.20 0.21 0.27 0.25 0.32 0.10 30.61

0.69 0.58 0.47 0.44 0.35 0.35 0.84 0.41 49.11

1.41 2.03 2.81 2.30 2.93 3.26 1.50 0.96 64.34

1.21 1.13 0.93 0.79 1.14 0.79 1.25 0.50 40.22

0.39 0.41 0.34 0.53 0.44 0.39 0.33 0.10 30.20

0.60 0.43 0.35 0.27 0.23 0.21 3.79 5.59 147.30

0.65 0.49 0.36 0.37 0.29 0.31 3.72 6.24 167.56

1.86 1.65 1.53 1.38 1.29 1.16 3.13 3.71 118.53

0.20 0.18 0.17 0.15 0.13 0.11 0.28 0.14 50.76

0.97 0.81 0.75 0.63 0.53 0.50 0.47 0.21 45.20

0.23 0.20 0.45 0.37 0.32 0.25 0.26 0.09 33.14

0.28 0.40 0.82 0.75 0.59 0.93 0.59 0.22 38.13

1.43 2.27 1.76 1.46 1.23 1.56 1.04 0.61 58.73

2.23 2.91 10.17 7.10 6.13 5.02 2.46 2.71 110.20

20.97 18.90 14.98 15.02 13.69 15.58 16.84 2.89 17.17

0.50 0.65 0.52 0.53 0.55 0.44 0.60 0.16 27.09

0.00 0.00 0.00 0.00 0.00 0.01 0.01 0.01 99.38

1.88 1.84 1.99 1.76 1.65 1.70 - - -

4.66 4.21 3.87 3.57 3.24 3.58 - - -

247.65 228.85 194.19 203.02 196.83 210.91 - - -

TABLE 5.1.25 BORROWINGS AS % TO TOTAL ASSETS OF PUBLIC SECTOR BANKSBANK 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005

SBI 9.21 12.24 5.64 7.27 8.76 4.45 4.50 4.08 3.55 3.40 2.68 2.48 3.29 4.17

SBBJ 2.78 3.13 2.64 5.15 5.14 1.15 1.31 0.99 0.76 0.34 0.15 1.72 3.04 2.63

SBH 3.57 2.32 2.34 5.66 5.32 1.29 1.34 1.04 1.18 0.51 0.35 1.59 2.69 2.34

SBID 6.75 6.36 1.64 6.34 2.05 1.51 1.01 1.08 2.83 2.53 1.85 2.64 2.95 6.74

SBM 3.13 5.67 5.39 6.66 6.69 5.43 1.65 4.70 5.73 1.90 0.77 2.96 1.51 1.93

SBP 2.53 1.44 1.23 1.62 4.58 1.60 0.25 1.49 0.51 0.12 0.92 2.04 1.85 1.78

SBT 2.27 2.05 0.86 3.99 3.01 1.18 1.38 1.29 0.49 0.26 0.39 0.25 1.13 0.44

ALLH 2.04 2.29 2.15 2.89 3.84 0.85 0.57 0.40 0.18 0.32 0.24 0.16 0.49 0.29

ANDH 3.11 2.76 2.37 3.44 3.94 1.66 2.15 1.42 0.93 0.87 1.05 4.01 3.12 3.00

BOB 3.02 3.41 2.23 3.43 3.51 0.90 1.04 0.92 0.63 1.48 0.98 0.82 1.03 1.73

BOI 6.50 4.28 1.69 4.07 5.15 3.83 3.36 5.52 3.35 3.02 4.80 5.26 5.33 6.28

BOMH 4.47 2.29 2.06 3.54 4.53 1.50 1.29 1.12 2.60 1.79 1.88 1.26 1.46 2.19

CAN 3.51 9.91 2.21 4.03 5.04 1.29 1.15 2.87 2.43 2.21 2.21 0.11 0.76 0.10

CBOI 1.83 1.63 0.90 1.69 2.69 0.57 0.39 0.43 0.70 0.80 0.43 0.26 0.17 0.20

CORPT 6.51 4.13 3.52 2.30 3.67 3.33 0.63 1.32 1.77 3.02 6.03 3.06 3.20 3.83

DENA 1.93 1.80 1.79 4.34 7.52 1.15 1.46 3.94 4.48 2.11 1.41 1.13 1.39 1.39

IND 9.70 12.46 2.40 4.94 12.53 4.24 1.32 1.67 1.25 0.60 1.23 1.27 0.76 1.65

IOB 5.94 1.62 2.23 4.77 5.95 1.85 1.66 1.82 1.08 0.48 0.43 0.86 1.54 1.16

OBC 2.50 2.57 3.72 5.12 5.47 0.93 0.67 0.58 2.09 0.84 1.91 2.25 1.71 1.35

PNB 6.56 2.15 1.28 2.64 5.68 1.55 1.01 1.41 2.78 0.83 0.52 0.17 0.07 0.02

PSB 6.58 3.60 3.04 3.71 4.19 0.98 0.67 0.43 1.22 1.06 0.56 0.77 1.26 2.15

SYND 2.79 2.02 1.60 2.68 2.86 0.40 0.33 0.45 0.51 0.77 0.12 0.23 0.47 0.62

UCO 6.32 6.59 1.41 1.77 5.96 0.69 1.45 1.54 2.54 1.50 1.26 1.17 0.88 0.55

UBI 1.71 1.38 1.20 2.42 3.15 0.53 0.32 0.24 1.00 0.80 0.12 0.87 1.60 2.79

UNI 4.27 5.24 2.98 1.65 2.27 1.62 0.84 0.62 0.57 0.66 0.39 0.24 0.11 0.09

VIJ 3.10 3.40 1.95 2.18 7.42 1.34 1.52 1.32 0.63 1.00 0.55 1.68 1.40 2.18

MEAN 4.33 4.10 2.33 3.78 5.04 1.76 1.28 1.64 1.76 1.28 1.28 1.51 1.66 1.99

S.D. 2.30 3.13 1.19 1.61 2.28 1.33 0.93 1.41 1.40 0.94 1.41 1.30 1.24 1.75

C.V. 52.98 76.33 51.12 42.6 45.21 75.51 72.8 85.86 79.4 73.55 110.7 85.98 74.69 88.15

TABLE 5.1.25 BORROWINGS AS % TO TOTAL ASSETS OF PUBLIC SECTOR BANKS2006 2007 2008 2009 2010 MEAN S.D. C.V.

6.20 7.01 7.17 5.57 9.78 5.87 2.69 45.89

4.41 3.38 2.60 1.69 5.49 2.55 1.64 64.09

1.57 0.80 1.54 3.08 5.47 2.32 1.64 70.88

3.52 6.11 3.26 2.73 5.08 3.53 2.03 57.51

3.01 3.69 5.24 6.82 5.01 4.10 1.95 47.64

3.03 3.67 4.90 1.30 4.50 2.07 1.44 69.57

3.66 5.01 6.49 1.63 5.47 2.17 1.91 87.97

0.08 0.38 2.16 0.96 4.47 1.30 1.34 102.88

1.87 1.54 1.04 1.92 6.48 2.46 1.40 56.89

4.24 0.80 2.19 2.48 4.80 2.09 1.31 62.63

5.25 4.67 4.01 4.21 8.15 4.67 1.43 30.72

1.56 0.52 0.41 0.32 3.94 2.04 1.27 62.53

0.02 0.95 1.39 3.21 3.19 2.45 2.28 92.96

0.42 0.84 0.36 0.54 4.01 0.99 0.99 99.79

4.10 5.73 3.21 2.38 8.13 3.68 1.85 50.27

0.00 1.43 1.02 0.11 2.71 2.16 1.79 82.65

3.96 3.45 1.82 0.63 0.94 3.52 3.83 108.98

1.24 3.52 6.24 5.41 6.85 2.88 2.22 77.06

1.49 0.84 2.03 0.64 3.56 2.12 1.45 68.37

0.00 0.93 9.62 6.56 6.53 2.65 2.87 108.48

4.59 1.20 2.74 1.77 6.49 2.47 1.93 78.04

0.56 1.54 1.22 1.68 8.75 1.56 1.96 125.94

2.19 3.29 1.91 1.85 4.56 2.50 1.93 77.17

4.46 4.11 3.84 2.41 4.72 1.98 1.49 75.35

0.89 0.94 2.14 0.74 1.19 1.44 1.41 97.49

1.64 0.47 3.42 0.99 2.76 2.05 1.59 77.40

2.46 2.57 3.15 2.37 5.12 - - -

1.84 1.99 2.27 1.90 2.16 - - -

74.72 77.5 72.06 80.13 42.23 - - -

TABLE 5.1.26 BORROWINGS AS % TO TOTAL ASSETS OF PRIVATE SECTOR BANKSYEAR 1992 1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005

AXIS NE NE NE 15.43 6.61 0.44 4.91 13.30 7.96 10.64 8.67 3.67 2.19 4.72

BORL 1.10 1.21 0.97 4.49 5.02 0.92 1.18 0.77 0.62 0.41 0.62 0.28 2.09 2.26

CSBL 6.64 5.79 4.32 6.48 5.48 4.57 2.39 2.75 2.51 1.01 0.45 0.04 0.49 0.01

CUBL 4.16 6.07 3.86 8.10 13.00 3.44 1.92 2.60 2.40 1.50 0.47 0.42 0.93 0.63

DEL NE NE NE NE 0.32 0.24 4.68 6.71 6.15 2.84 0.70 6.80 4.42 3.43

DHAN 2.60 2.22 3.86 2.45 4.69 3.12 2.04 1.74 2.48 1.59 0.96 1.80 0.16 0.22

FBL 3.65 6.26 2.00 6.26 6.14 5.25 3.17 6.05 4.99 3.90 3.69 0.69 0.84 1.11

HDFC NE NE NE 1.18 4.56 10.98 1.93 10.30 12.26 7.89 7.66 7.51 5.45 9.31

ICICI NE NE NE 1.58 18.23 5.22 5.86 2.86 4.07 5.23 47.28 32.11 24.55 20.01

IIBL NE NE NE 7.14 8.13 1.92 1.25 6.57 6.90 4.76 8.42 2.39 15.31 3.91

JKAL 0.82 0.76 0.69 2.48 1.09 0.42 0.22 2.78 0.19 1.39 1.26 1.29 1.40 1.31

KAL 8.19 7.33 7.46 8.43 8.57 3.03 2.38 2.56 2.33 1.95 1.25 1.78 1.73 1.95

KVBL 4.28 4.49 1.47 3.82 13.16 6.45 3.25 7.54 5.99 3.51 5.99 4.33 1.45 1.17

LVBL 7.25 7.32 3.98 3.23 6.70 4.11 2.94 3.70 4.30 2.63 1.17 2.01 0.79 1.70

NBL 1.45 0.89 0.61 0.38 0.19 0.17 0.01 0.00 0.00 0.00 0.00 0.02 0.01 0.03

RAT 8.91 7.72 7.04 4.96 4.34 3.47 4.02 2.29 1.34 0.80 0.57 0.30 0.12 0.10


SIBL 2.81 2.98 2.61 4.37 6.73 1.77 0.98 3.00 2.15 1.23 0.94 1.24 0.86 0.04

TMBL 5.14 6.24 3.75 6.00 10.72 3.77 2.80 2.31 1.05 0.66 0.71 1.54 0.56 0.20

MEAN 4.38 4.56 3.28 5.11 6.87 3.12 2.79 4.30 3.84 2.98 5.06 3.59 3.42 3.23

S.D. 2.70 2.61 2.21 3.58 4.66 2.74 1.87 3.35 3.11 2.74 10.65 7.24 6.18 4.94

C.V. 61.52 57.26 67.42 70.11 67.80 87.69 66.96 77.78 80.99 92.10 210.39 201.64 180.54 153.20


TABLE 5.1.26 BORROWINGS AS % TO TOTAL ASSETS OF PRIVATE SECTOR BANKS2006 2007 2008 2009 2010 MEAN S.D. C.V.

5.39 7.09 5.13 10.51 9.50 7.26 3.99 54.90

0.11 0.48 0.58 0.01 0.02 1.22 1.39 113.87

0.01 0.08 0.11 1.32 1.21 2.40 2.40 99.94

1.82 0.37 0.04 0.43 0.35 2.76 3.29 118.85

3.52 2.93 5.63 7.50 8.20 4.27 2.58 60.50

0.01 0.14 0.10 0.00 3.93 1.80 1.47 81.64

2.96 3.07 2.44 3.14 3.54 3.64 1.80 49.60

3.89 3.09 3.45 5.00 5.81 6.27 3.30 52.68

15.32 14.87 16.42 24.56 25.94 16.51 12.54 75.98

3.04 2.83 4.71 10.20 13.95 6.34 4.14 65.33

1.00 2.16 2.30 2.64 2.59 1.41 0.84 59.72

1.22 2.59 0.74 0.02 2.56 3.48 2.88 82.67

2.17 2.06 2.25 0.14 2.17 3.98 2.99 75.07

0.11 1.37 0.81 1.72 3.18 3.11 2.15 69.21

0.61 1.14 1.05 0.59 0.29 0.39 0.46 116.65

0.07 0.04 0.02 0.23 0.18 2.45 2.93 119.66

7.18 8.85 0.75 0.00 0.01 3.84 3.44 89.46

0.01 0.24 0.16 2.02 1.30 1.86 1.67 89.52

0.38 0.81 0.01 0.29 0.44 2.49 2.84 113.98

2.57 2.85 2.46 3.70 4.48 - - -

3.70 3.73 3.85 6.08 6.40 - - -

144.09 130.72 156.61 164.25 142.73 - - -

Table 5.2.1

Correlations Coefficient Matrix for Public Sector Banks (1992-2010)

Y1 X1 X2 X3 X4 X5 X6 X7

Y1 1

X1 .532** 1

X2 -.490** .115* 1

X3 .147** .319** 0.007 1

X4 .301** -.098* -.530** -0.019 1

X5 0.061 -.424** -.441** -.232** .273** 1

X6 -0.001 .211** .275** .335** -.115* -.718** 1

X7 -0.085 .356** .305** -0.063 -.253** -.581** -.149** 1

X8 -.363** .279** .797** 0.013 -.649** -.514** .334** .340**

X9 .312** -.143** -.535** 0.024 .861** .351** -.097* -.384**

X10 .290** .141** -.609** 0.061 .096* 0.022 0.012 -0.044

X11 -.433** -.307** .465** -.186** -.561** -.094* .147** -0.038

X12 -0.087 -.117** -0.055 -.201** .403** 0.079 -.251** .181**

**Correlation is significant at the 0.01 level (2-tailed).

* Correlation is significant at the 0.05 level (2-tailed).

Correlations Coefficient Matrix for Public Sector Banks (1992-2010)

X8 X9 X10 X11 X12

1

-.695** 1

-0.085 0.043 1

.424** -.568** -.211** 1

-.125** .266** -0.016 -.128** 1

Table 5.2.2

Correlations Coefficient Matrix for Private Sector Banks (1992-2010)

Y1 X1 X2 X3 X4 X5 X6 X7

Y1 1

X1 1

X2 1

X3 0.097 1

X4 0.055 1

X5 -0.011 1

X6 1

X7 -0.081 0.073 1

X8 -0.036

X9 0.019 0.075

X10 0.053

X11 -0.003 0.01 0.016

X12 0.046 0.086


*Correlation is significant at the 0.05 level (2-tailed).

.263**

-.356** .519**

.363** .327**

-.210** -.234** -.114*

-.620** -.533** -.240** .240**

-.116* .514** .598** .425** -.254** -.793**

.160** .386** .139* -.129* -.665**

-.235** .502** .740** .351** -.372** -.382** .540**

-.110* -.135* .811** .257** -.179** -.201**

.182** -.415** -.747** -.238** .182** .288** -.429**

-.213** -.255** -.401** .287** -.396**

-.215** -.203** -.314** .595** -.225** .135*

Correlations Coefficient Matrix for Private Sector Banks (1992-2010)

X8 X9 X10 X11 X12

1

1

0.032 1

1

0.075 1


*Correlation is significant at the 0.05 level (2-tailed).

-.199**

-.376**

-.359** -.191** .169**

-.277** .116* .293**

Table 5.29

Multiple Regression Analysis for Public Sector Banks 1992-2010

Steps (Constant) X1 X2 X10 X7 X3

I -2.171(-11.426) -13.948

II -1.344(-8.960) -20.535 (-19.221)

III -0.326(-1.510) -22.257 (-19.446) (-6.339)

IV -0.19(-0.887) -23.006 (-17.707) (-5.944) (-4.550)

V 0.283-0.995 -22.512 (-17.713) (-5.931) (-4.980) (-2.499)

0.930*

1.042* -0.993*

1.128* -1.252* -0.074*

1.200* -1.167* -0.069* -0.041*

1.249* -1.161* -0.068* -0.045* -0.016*

Note: The figures given in parentheses represent the t-values.

*refers to 5 per cent significance level.

Table 5.29

Multiple Regression Analysis for Public Sector Banks 1992-2010

R Square

0.283 0.282

0.591 0.589

0.622 0.62

0.637 0.634

0.642 0.638

Adjusted R Square

Table 5.30

Multiple Regression Analysis for Private Sector Banks 1992-2010

(Constant) X2 X1 X3 X10

I 1.109-20.414 -6.995

II -0.384(-2.988) (-13.643) -12.403

III -0.546(-3.805) (-13.966) -11.541 -2.468

IV -0.143(-0.660) (-12.012) -11.485 -2.539 (-2.476)

V -0.214(-0.987) (-12.264) -11.678 -3.059 (-2.946)

-0.311*

-0.589* 0.614*

-0.608* 0.584* 0.008*

-0.707* 0.577* 0.009* -0.022*

-0.721* 0.585* 0.011* -0.027*

Note: The figures given in parentheses represent the t-values.

*refers to 5 per cent significance level.

Table 5.30

Multiple Regression Analysis for Private Sector Banks 1992-2010

X12

R Square

0.126 0.124

0.4 0.397

0.411 0.406

0.422 0.415

0.431 0.422-2.305

Adjusted R Square

0.018*

PROFITABILITY ANALYSIS OF PUBLIC AND PRIVATE …shodhganga.inflibnet.ac.in/bitstream/10603/13574/12/12... · · 2015-12-04affecting the profitability. Ratio analysis has been used

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